Consumer complaint received 2025-09-16 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: MO

Complaint narrative:
To Whom It May Concern : I am submitting a formal dispute and identity theft blocking request pursuant to the Fair Credit Reporting Act ( FCRA ) 604, 605B, 609, and 611. I am also demanding the reintegration/merger of any split or suppressed files so that my credit profile is accessible to creditors and no longer returns a no credit profile or file not available response.

I. PERSONAL IDENTIFIERS CORRECTION/DELETION ( FCRA 609, 611 ) Please correct my personal identifiers so that my Experian file reflects one accurate profile : Keep ONLY my current mailing address on file : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Delete ALL other addresses. Specifically delete the following : XXXX XXXX XXXX XXXXXXXX, MA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Delete ALL telephone numbers from my file. I do not authorize the reporting of any telephone numbers at this time.

Delete ALL employer information from my file ( current or former ). I do not authorize the reporting of employer data. 

XXXX. INQUIRIES REMOVAL ( FCRA 604 ; 611 ) I dispute the following HARD inquiries as lacking a permissible purpose under FCRA 604 and request their deletion : XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> I also request removal or blocking of SOFT inquiries that stem from identity theft, fraud alerts, or any access not tied to a credit transaction initiated by me. If any soft inquiry is retained, please provide the specific permissible purpose and the initiating partys full name, address, and telephone number. 

XXXX. IDENTITY THEFT BLOCK PERMANENT ( FCRA 605B ) I am enclosing an Identity Theft Report ( FTC affidavit/police report ). Please permanently block from my file any information that resulted from identity theft and notify all furnishers. If any item previously blocked is reinserted, immediately remove it, notify me in writing, and provide your method of verification.

IV. FILE REINTEGRATION / MERGE Your system has returned no credit profile responses to creditors despite active positive tradelines. This indicates a split/suppressed file problem. Please immediately reintegrate/merge any fragmented files and confirm that my complete profile is accessible to creditors.

V. DISCLOSURES & RESULTS ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) Upon completion of your reinvestigation, please provide a written report of results and an updated credit file. For each item you verified, provide the business name, address, and telephone number of the furnisher or the party from whom you obtained verification, and the specific records relied upon. 

Enclosures ( copies ) : XXXX. Government-issued ID XXXX. Proof of current address ( recent bank statement/utility bill ) XXXX. FTC Identity Theft Affidavit ( or police report ) This letter is not an authorization for any new pulls of my consumer report. Please complete your reinvestigation within the timelines required by the FCRA and send written confirmation of all deletions, blocks, corrections, and file reintegration.

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