Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Dispute of Inquiries, Bankruptcy, Late Payments, and Negative Items Under the FCRA & UCC Dear Experian Disputes Department, I am writing to dispute several inaccurate and unauthorized items appearing on my credit report dated XX/XX/XXXX. These include : Hard inquiries I did not authorize Late payments and charge-offs linked to identity theft resulting from a data breach A dismissed bankruptcy that should no longer be reported Additional unverifiable or inaccurate negative entries 1. Inquiries Without Authorization According to FCRA 1681b ( c ), a consumer report may only be accessed with the consumers permission. I did not authorize the following inquiries and demand they be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These were not initiated by me and were likely the result of identity compromise. Under FCRA 1681n, entities violating access rights may be held liable. 

2. Accounts Affected by Data Breaches My personal information may have been exposed during major data breaches : XXXX XXXX XXXXXXXX ) Compromised data of XXXX XXXX consumers Experian ( XXXX ) Data of millions exposed via API misconfigurations XXXX XXXX XXXX XXXX  Breach via XXXX database affecting millions Due to these breaches, I am the victim of identity theft that resulted in fraudulent or inaccurate accounts and late payments, including : XXXX XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX XXXX ) Account ending XXXXXXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX These show late payments, charge-offs, or derogatory remarks inconsistent with my financial behavior. Under FCRA 1681e ( b ), Experian is obligated to report with maximum accuracy. 

3. Bankruptcy Reporting Violation There is a XXXX XXXX XXXX filed on XX/XX/XXXX, which has been dismissed. Under : FCRA 1681c ( a ) ( 1 ) Dismissed bankruptcies must not be reported beyond 10 years and must be updated or deleted if they are not accurate or verified FCRA 1681e ( b ) Requires reasonable procedures to ensure reporting accuracy I demand the immediate removal of this dismissed bankruptcy from my file. 

4. Legal Basis for Removal of Negative Items Per federal and commercial code : FCRA 1681i ( a ) ( 1 ) ( A ) Unverified items must be deleted after 30 days FCRA 1681c ( a ) ( 4 ) - ( 5 ) Obsolete information must be removed after 7 years UCC 3-501 I have a right to demand validation of any alleged debts FCRA 611 [ 15 U.S.C. 1681i ] Grants me the right to dispute inaccurate or unverifiable information As such, I am demanding : Removal of unauthorized hard inquiries Deletion of all fraudulent or breach-related accounts Permanent removal of dismissed bankruptcy Correction or deletion of any unverifiable derogatory marks 5. Supporting Documentation Enclosed : A copy of my Experian credit report dated XX/XX/XXXX A copy of my government-issued ID and for address verification Please initiate a full reinvestigation and send written confirmation within 30 days. If Experian can not verify these items, they must be deleted as required by law. 

Sincerely, 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