Consumer complaint received 2025-05-14 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Formal Dispute and Request for Removal of Bankruptcy and Unauthorized Inquiries Under 15 USC 1681 and 18 USC 1028A Dear Experian Dispute Department, I am writing to formally dispute inaccurate and unauthorized information on my Experian credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX  XXXX. * * Bankruptcy Reporting ( Request for Deletion ) * * There is a * * bankruptcy * * currently reported on my Experian credit file that is both inaccurate and unverifiable. XXXX XXXX Equifax has already removed this item from my credit report XXXX XXXX and I have attached a screenshot as proof. Under the following federal laws, I demand immediate removal of this bankruptcy XXXX XXXX XXXX XXXX  15 USC 1681b ( 2 ) : XXXX XXXX  No consumer reporting agency may furnish a consumer report except for a permissible purposeXXXX XXXX XXXX XXXX  15 USC 1681 ( q ) : XXXX XXXX It is unlawful to knowingly and willfully obtain information from a consumer reporting agency under false pretenses.

XXXX XXXX XXXX 15 USC 1681c-2 : XXXX XXXX Consumers have the right to block and have removed information resulting from identity theft or unauthorized use.

XXXX XXXX XXXX 18 USC 1028A : XXXX XXXX  Aggravated identity theft prohibits the use of another persons identifying information unlawfully. 

This bankruptcy was reported without my authorization and its continued appearance is a violation of my consumer rights. I demand that it be XXXX XXXX permanently deleted XXXX XXXX from my Experian report. 

XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries ( Request for Deletion ) XXXX XXXX  I have also identified XXXX XXXX unauthorized inquiries XXXX XXXX on my credit report that were not initiated or approved by me. Under : XXXX XXXX XXXX  15 USC 1681b ( 2 ) XXXX XXXX  and XXXX XXXX XXXX 15 USC 1681 ( q ) XXXX XXXX XXXX XXXX XXXX 15 USC 1681c-2 XXXX XXXX these inquiries must be removed if obtained without proper authorization or under false pretenses. 

Please conduct an immediate investigation into these inquiries and XXXX XXXX remove all unauthorized or unverifiable hard inquiries XXXX XXXX  from my file. 

XXXX XXXX XXXX  Supporting Documents Enclosed : * Screenshot showing XXXX XXXX XXXX has removed the bankruptcy XXXX XXXX XXXX  A copy of my XXXX XXXX  government-issued ID XXXX XXXX XXXX  A copy of a XXXX XXXX  recent utility bilXXXX XXXX XXXX  or lease showing my current address Please confirm receipt of this dispute and respond within the XXXX XXXX XXXX XXXX XXXX XXXX as required by the FCRA. If the items can not be verified, they must be * * promptly deleted XXXX XXXX  from my credit file. 

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