Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Request for Investigation and Deletion of Inaccurate Information I am writing to formally dispute inaccurate, obsolete, or unverifiable items currently listed on my Experian credit report. I request a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ) 602A, 611, and 623, and the removal of any accounts or inquiries that can not be fully verified.

Collection Accounts to Investigate XXXX XXXX XXXX ( XXXX XXXX  ) Acct # XXXX Balance : {$7000.00} No proof of ownership or contract provided. Verify or delete. 
XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) Acct # XXXX Balance : {$480.00} No validation notice received. Unverifiable debtremove if not substantiated. 
XXXX XXXX XXXX ( XXXX XXXX XXXX ) Acct # XXXX Balance : {$470.00} Disputedno documentation of assignment or ownership. 
XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Acct # XXXX Balance : {$460.00} Reporting inaccurate balance and dates ; validate or delete. 
Charge-Off Account XXXX XXXX XXXX ( XXXX ) Acct # XXXX Charged-off account over four years old. Should not continue to report as active derogatory. Request removal.

Accounts with Late Payment Errors XXXX XXXX Acct XXXX XXXX ( Credit Card ) Late payments incorrectly reported ; possible duplicate entry. 
XXXX XXXX Acct XXXX XXXX ( Credit Card ) Duplicate entryplease consolidate or delete. 
XXXX XXXX XXXX Acct # XXXX ( Auto Loan ) Payment arrangement in place ; late marks are inaccurate. 
XXXX XXXX XXXX Acct # XXXX ( Secured Loan ) Late payments added after account closureshould show as 'Paid as Agreed. ' XXXX Acct # XXXX ( Credit Card ) 30-day late for XX/XX/XXXX reported in errorpayment made on time. 
Hard Inquiries to Verify or Remove XXXX XXXX XXXX Date : XX/XX/XXXX No application or consent givenunauthorized. 
XXXX XXXX Date : XX/XX/XXXX Unauthorized or without permissible purpose. 
XXXX XXXX Date : XX/XX/XXXX Duplicate inquiryremove redundant listing. 
XXXX Date : XX/XX/XXXX Unauthorized inquiry. 
XXXX XXXX Date : XX/XX/XXXX No application submittedunauthorized. 
XXXX XXXX Date : XX/XX/XXXX Duplicate inquiryremove redundant entry. 
XXXX XXXX XXXX  Date : XX/XX/XXXX No loan application madeunauthorized mortgage inquiry. 
XXXX XXXX XXXX Date : XX/XX/XXXX Unauthorized access to my credit file. 
XXXX XXXX Date : XX/XX/XXXX Unauthorized credit pullno permissible purpose. 
Consumer Statement I, XXXX XXXX, dispute several accounts and inquiries on my Experian credit report as inaccurate, unverifiable, or unauthorized. Some accounts reflect duplicate entries, incorrect late payments, or unverifiable collections. I have requested validation from all data furnishers and am exercising my rights under the Fair Credit Reporting Act to ensure that only accurate and verifiable information remains on my credit profile.

Request for Action Under the Fair Credit Reporting Act, please : 1. Conduct a full reinvestigation of all disputed items. 2. Provide written verification and documentation for each account and inquiry. 3. Delete any entries that can not be verified within 30 days. 4. Send me an updated copy of my Experian credit report reflecting these corrections. Thank you for your prompt attention to this matter. 
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