Consumer complaint received 2025-06-17 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: NC

Complaint narrative:
Per FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) To Whom It May Concern, I am writing to formally dispute multiple inaccurate and/or incomplete entries contained within my credit report, dated XX/XX/year>, as provided by Experian. This letter constitutes my official request for reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires you to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice. Below are the specific items I am disputing : XXXX. XXXX XXXX XXXX Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00} Reason for Dispute : I do not recognize this debt. I have no knowledge of owing this amount to XXXX XXXX or any creditor they may represent. I request full validation of the debt including the original creditor, original account number, and chain of title. XXXX. XXXX Card Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} Reason for Dispute : I believe this account may contain inaccurate balance information or delinquency dates. I request a full investigation and correction of any reporting errors. XXXX. XXXX XXXX XXXX XXXX Account XXXX ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} Reason for Dispute : This account may include inaccurate payment status or other derogatory information. I request a reinvestigation to verify all information being reported. 4. Addresses Not Current or Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : These addresses are outdated or not associated with any financial accounts currently active. Please investigate and remove any that can not be verified as accurate. 5. Unauthorized or Unverified Inquiries Please investigate and remove any inquiries made without my authorization, especially from : XXXX XXXX  ( Collection Inquiry XX/XX/year> ) XXXX XXXX XXXX ( Collection Inquiry XX/XX/year> ) XXXX XXXX XXXX ( Multiple Inquiries XX/XX/year> ) Any additional inquiries not initiated or authorized by me Legal Basis Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon receiving this dispute, you are legally obligated to : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period. Failure to comply may result in formal complaint escalation to the Consumer Financial Protection Bureau and/or private legal action for willful or negligent noncompliance with the FCRA. Action Requested Please complete a thorough reinvestigation of all the items above. Upon completion, send me : A written confirmation of the outcome of each dispute. An updated copy of my credit report. The method of verification used for any information deemed accurate. Sincerely, XXXX XXXX XXXX

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