Consumer complaint received 2025-04-07 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: AZ

Complaint narrative:
To Whom It May Concern, I am writing as a concerned consumer regarding numerous entries on my credit report that are inaccurate, unverifiable, and potentially in violation of both the Fair Credit Reporting Act ( FCRA ) and Metro 2 industry standards for data reporting. These accounts and inquiries are causing unjustified damage to my creditworthiness and must be reviewed immediately.

Under FCRA 611 and 1681i, I am exercising my right to dispute any information I believe to be inaccurate or unverified. You are required to complete a reasonable investigation within 30 days of receipt of this letter. If you are unable to fully verify any item with proper documentation from the original data furnisher, it must be corrected or removed. 
Accounts in Dispute Late Payment Disputes XXXX XXXX XXXX : XXXX Reported late payments are not substantiated. Please validate with original payment records. If not verifiable, delete immediately. 
XXXX Acct # : XXXX I challenge the accuracy of the reported delinquencies. Please conduct a full audit and provide supporting documents. 
Charge-Off Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account has been marked as a charge-off without proper verification or accurate data formatting. Per XXXX XXXX, this must be corrected or deleted. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX The charge-off reporting appears to be incomplete and unverifiable. Please provide proof of default, original signed contract, and billing details. 
Unauthorized or Unverified Inquiries The following hard inquiries appear on my report without my permission. Per FCRA 604, inquiries require a permissible purpose and consumer-initiated action. If you can not validate these inquiries with consumer authorization records, they must be promptly removed. 
XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested Actions XXXX. XXXX a thorough reinvestigation of all accounts and inquiries listed above. 
XXXX. Provide me with written proof and supporting documents for any item you intend to keep on file. 
XXXX. Remove all unverifiable, inaccurate, or incomplete accounts or inquiries from my credit report. 
XXXX. Send a free updated credit report reflecting any changes or deletions made as a result of this dispute. 
Please note that failure to comply with these reasonable requests XXXX lead me to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General 's Office for further investigation into your compliance practices. 
I expect your full cooperation in resolving these matters. 
Sincerely, XXXX 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