Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the accounts referenced below on my consumer credit report, which appear to have arisen as a result of potential fraud or unauthorized activity. I hereby request verifiable evidence bearing my signature or electronic signature. This letter is being sent on my behalf, and I kindly request your thorough consideration. These actions, undertaken without my authorization, may constitute a violation of my consumer rights as stipulated in the Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ].

Upon my previous contact with the respective companies, it was indicated that these actions may have been initiated without proper validation or original proof from any of the reporting entities. I trust that you will address this matter with the utmost diligence and rectify the potential inaccuracies promptly. Your cooperation is greatly appreciated. 

Listed below is the Personal Information that is being challenged : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Name : XXXX I XXXX Incorrect Previous Address : XXXX XXXX XXXX  XXXX XXXX, TX XXXX Incorrect DOB : XXXX Listed below is the Account that is being challenged : XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am formally contesting any inaccuracies on my credit report, aligning with the FCRA and Metro 2 data field reporting standards. Unsupported claims of delinquency and derogatory remarks can not be accepted without documented proof. Accurate and complete reporting, as mandated by federal and state law, is essential. I urge you to ensure factual, lawful claims and provide verifiable evidence for account existence and usage. If not, kindly delete it and send physical documentation of your actions and my updated credit report. Your prompt attention to this matter is appreciated. 

Listed below is the Personal Information that is being challenged : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Name : XXXX I XXXX Incorrect Previous Address : XXXX XXXX XXXX  XXXX XXXX, TX XXXX Incorrect DOB : XXXX Listed below is the Account that is being challenged : XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX I am hereby contesting the accuracy of any information contained within my credit report that lacks substantiated evidence. This pertains particularly to unproven claims, such as allegations of delinquency and derogatory status. My action aligns with the provisions set forth in the Fair Credit Reporting Act ( FCRA ) and adheres to the recognized industry standard for Metro 2 data field reporting. I emphasize that, in accordance with federal and state laws, it is imperative that all allegations are reported accurately and comprehensively. Reporting claims that contravene established laws and regulations is not only inaccurate but also unjust.

I write to formally notify you of the necessity to ensure the factual and accurate reporting of all claims, as mandated by the Metro 2 reporting standard. I kindly request that you furnish tangible, verifiable evidence substantiating the existence of the account and its lawful usage. Should such evidence not be forthcoming, I insist on the deletion of said account from my credit report. In accordance with this request, I grant authorization for the delivery of physical documentation detailing your actions and an updated copy of my credit report. Your prompt attention to this matter is greatly appreciated. 

Listed below is the Personal Information that is being challenged : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Name : XXXX I XXXX Incorrect Name : XXXX, XXXX, XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Incorrect DOB : XXXX Listed below are the Collections that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below is the Inquiry that is being challenged : XXXX XXXX I kindly request that you provide the legally required, physically verifiable evidence of a duly attained lawful objective, either by yourself or an authorized entity, in order to negate, through complete erasure, any unverified disparaging accusations or claims lacking federal reporting adherence, unjustly made against me, should you fail to do so. 

I conclude my communication with you with a genuine sense of professionalism and sincerity. I kindly request the immediate deletion of any derogatory accounts from my consumer credit reports that are associated with unverified or non-compliant reporting or potential fraudulent inquiries. This is particularly crucial if these accounts lack concrete proof of their accuracy, completeness, timeliness, ownership, or compliance with the XXXX XXXX data field formatting standards, as mandated by state and federal reporting laws, including the Fair Credit Reporting Act. Please be aware of the XXXX timeframe for this investigation, as per the FCRA, and I anticipate your prompt action to ensure accurate and compliant reporting with the subsequent issuance of an updated credit report. 

I express my profound disappointment regarding the absence of documented proof of compliance with reporting standards and consumer laws. This deficiency is significant, and I demand the immediate deletion of the flawed report. Failure to comply will result in legal action for non-compliance with the relevant legal requirements. It is crucial for us to have comprehensive knowledge through accurate documentation, ensuring we are well-prepared to address potential issues in the future. 

I kindly request that, as part of this inquiry, you meticulously verify the information under dispute with the original creditors and furnish me with copies of any pertinent documentation that includes my signature. Should there be an absence of any such documentation bearing my signature, I hereby formally request the prompt deletion of all allegations, inquiries, and accounts currently reported within the credit profile associated with my Social Security number that you oversee. 

I conclude my communication with you with a genuine sense of professionalism and sincerity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation