Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : URGENT Dispute Request Inquiries, Collections, and Inaccurate Reporting ( FCRA 605B, Metro 2 Compliance, CDIA Guidelines ) I am writing to dispute inaccurate, unauthorized, and unverifiable accounts, collections, and inquiries appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), Metro 2 Compliance, and Consumer Data Industry Association ( CDIA ) guidelines, you are required to investigate and delete any item that is inaccurate, outdated, unverifiable, or fraudulently placed on my report.

Additionally, under FCRA Section 605B, I am demanding an expedited block and removal of a
ll disputed items as I was a victim of the Equifax data breach. Because my personal information was compromised, it is possible that unauthorized accounts and inquiries have been fraudulently added to my report. You are legally required to remove these items within four ( 4 ) business days to comply with federal consumer protection laws. 

XXXX. Unauthorized Hard Inquiries ( Must Be Removed Immediately ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX inquiries were not authorized, and under 15 U.S.C. 1681b, a credit bureau may only report inquiries that have permissible purpose. Because I did not initiate these inquiries, they must be removed immediately.

2. Inaccurate and Unverifiable Collection Accounts ( Must Be Deleted Per FCRA 1681i ) XXXX XXXX XXXX {$1500.00} ( Experian & Equifax ) XXXX XXXX XXXX {$1300.00} ( Experian & Equifax ) The Bureaus ( XXXX XXXX XXXX XXXX. ) {$520.00} ( All Bureaus ) These collection accounts do not belong to me, are unverifiable, and have incorrect reporting. Under FCRA 1681s-2, if a data furnisher can not provide documented proof from the original creditor showing my direct liability, the accounts must be permanently deleted. Furthermore, these accounts may violate Metro 2 Compliance reporting standards, requiring immediate correction or removal.

3. Incorrect & Outdated Personal Information ( Must Be Updated for Accuracy ) My only current address is : XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX Any other addresses listed on my credit report are outdated and must be removed. 

Legal Notice of Compliance Deadline Per FCRA 605B, you are required to remove fraudulent items related to identity theft within 4 business days of this dispute. If these items are not deleted or corrected, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney General, and pursue legal remedies for non-compliance.

Please send me a corrected copy of my updated credit report once these deletions have been made. If further information is needed, you may contact me at the details provided above. 

Sincerely, 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