Consumer complaint received 2025-06-27 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 formally disputing inaccurate, unverifiable, and incomplete data currently appearing on my consumer credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ), Section 605B, and the Metro 2 Compliance Guidelines outlined by the CDIA, you are required to ensure the accuracy, completeness, and verifiability of all reported information. 

PERSONAL INFORMATION CORRECTIONS Please delete the following inaccurate personal data : Incorrect Names : XXXX XXXX, XXXX XXXX Incorrect DOB : XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX, TX XXXX ( incorrect apartment number ) Incorrect Employer : XXXX XXXX XXXX Please update the following as the only correct and current information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Date of Birth : XX/XX/year> SSN : XXXX I request the removal of all phone numbers associated with my profile. 

UNAUTHORIZED INQUIRIES FCRA 1681b ( c ) I did not authorize the following companies to access my credit file. You are required to validate each inquiry by providing a signed application or contract with my name. If you can not verify them with legal documentation, they must be deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DISPUTED ACCOUNTS METRO 2 AND FCRA 611 Per FCRA 609 ( a ) ( XXXX ) ( A ), I demand physical verification of the original signed contract for each of the following accounts. If your agency can not provide valid documentation, you must permanently DELETE them under 611 and 1681i : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts contain unverifiable or incorrect data, violate Metro 2 formatting requirements, and conflict with my personal identifiers. Their continued reporting is a willful violation of my rights. 

LEGAL NOTICE AND DEMAND You are required to complete your investigation within XXXX XXXX from receipt of this letter, per FCRA 611 ( a ). If you fail to comply, I will escalate this matter to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Texas Attorney Generals Office Better Business Bureau ( BBB ) I also authorize the mailing of physical documentation confirming the results of your investigation and my updated credit report. 

FINAL REMINDER All correspondence you receive under my name has been prepared by myself or under my explicit direction. There is no law requiring Power of Attorney to submit disputes on my behalf. Delaying this process based on such claims is unlawful.

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