Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
am formally contesting any inaccurate or undocumented information found in my credit report, including unverified claims. Under the Fair Credit Reporting Act ( FCRA ) and the accepted standard of Metro 2 data field reporting, I challenge the reportability of these unsubstantiated allegations. Federal and state laws require accurate and complete reporting and prohibit the inclusion of claims that are known, or should be known, to be unlawful. Please ensure the accuracy and correctness of all your claims, as mandated by the Metro 2 reporting standard. I kindly request that you provide verifiable physical evidence to support the existence and permissible use of each account in question. If such evidence is lacking, I expect the removal of the account ( s ) from my report. I authorize you to send me physical documentation detailing your actions, along with an updated credit report for my records. Personal Information Being Challenged : Incorrect Date of Birth : XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Name : XXXX XXXX XXXX XXXX : Above the Rest Clean Incorrect Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Accounts Being Challenged : XXXXXXXX Account XXXX : XXXX This account reflects a Past Due 30 Days Count while simultaneously showing OK in the payment history. This is a contradiction and represents an accounting error. It is a violation of accurate reporting under federal law and must be corrected immediately. In accordance with the FCRA, this unverified and inaccurate account violates my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. I demand its removal. Inquiries Being Challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These hard inquiries are unfamiliar to me and were made without my knowledge or authorization. According to 15 U.S.C. 1681b ( Section 604 of the FCRA ), all credit report users must have a permissible purpose to obtain a consumer report. If these inquiries were made without my explicit consent or without a legally permissible purpose, they must be deleted from my file. I respectfully request that you investigate the validity and legitimacy of each inquiry. If they are found to be invalid, please remove them from my report. If they are determined to be valid, please provide documentation demonstrating the permissible purpose and my authorization. Additionally, regarding XXXX XX/XX/XXXX, I reiterate : Unauthorized Hard Pull! This must be removed in accordance with Section XXXX of the FCRA. I demand immediate deletion from my credit report. Likewise, XXXX XX/XX/XXXX is an unconfirmed inquiry that lacks the necessary lawful permissible purpose. It is not testimonial and has no legal basis in its current form. Please remove this inquiry from your reporting immediately. Address Accuracy and Identity Concerns : I am writing to bring to your attention a critical matter concerning my credit file. An address currently associated with my reportXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX not and has never been my residence. Furthermore, it is a non-deliverable address according to the XXXX XXXX XXXX XXXX. In the interest of safeguarding my identity and preventing potential identity fraud, I request that you remove this incorrect address without delay. Your failure to do so violates your duty to ensure the accuracy and completeness of consumer records. Name Discrepancy Immediate Correction Required : There are entries in your records showing the name XXXX XXXX, which do not correspond with my legal identity. My correct and only legal name is XXXX XXXX. These discrepancies are of great concern and must be corrected immediately to ensure the integrity of your database. Maintaining incorrect identifiers poses a risk of misattribution, fraud, and inaccurate credit evaluations. Final Notice and Legal Consequences of Non-Compliance : Please remove all derogatory allegations from your reporting, or bring them into full compliance with Metro 2 formatted standards, as required. Improperly reported or unverifiable data must not be used to damage my credit profile. If you can not meet the required standards or verify the legitimacy of these claims and inquiries, I must advise you that I am prepared to take legal action. I will pursue a minimum of {$1000.00} per violation under the FCRA, and I will not hesitate to bring civil claims. If your ongoing reporting results in damage to my personal, professional, or financial standing, I will also consider referring the matter for criminal investigation if warranted by the evidence. Unless your response confirms that you have removed all unverified and inaccurate items listed above, I will consider your failure to act as willful noncompliance. You are now on legal notice.

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