Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureau Dispute Letter for Inaccurate Reporting and Full File Disclosure XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date : XX/XX/XXXXXXXX XXXX XXXX To : XXXX XXXX Experian Information Solutions , IncXXXX XXXX XXXX XXXX  XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Subject : XXXX XXXX Formal Dispute of Inaccurate Information and Request for Full File Disclosure * * Reference : * * FCRA 609, 611, and 623 Dear Credit Bureau Compliance Department, I am writing to * * dispute inaccurate and unverifiable information * * appearing in my credit reports and to * * formally request my complete consumer file disclosure * * under the * * Fair Credit Reporting Act ( FCRA ) * *. 

Please note that I have * * only one valid address * * ( listed above ), * * no phone numbers * *, and * * no employment history * *. Any other addresses, phone numbers, or employers showing on my report should be * * deleted as inaccurate * *. 

XXXX XXXX XXXX XXXX XXXX XXXX. Disputed Accounts XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX The * * date opened * *, * * date of last payment * *, and * * date of last activity * * are inaccurate. 
- Please provide full documentation directly from the furnisher verifying these dates. 
- If the account can not be verified with complete and accurate data, delete it from my credit file immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX The * * date opened * *, * * date of last payment * *, and * * payment history * * are incorrect. 
- Please verify this information with the furnisher and provide documentation of your findings. 
- If the data can not be verified, this account must be deleted as required by FCRA 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries I request deletion of * * all hard inquiries * * and any * * unverified or impermissible inquiries * * reported in my file. Under * * FCRA 1681b * *, you are obligated to ensure each inquiry has a permissible purpose. Any inquiry without my express consent or legitimate purpose must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Full File Disclosure Request Under * * FCRA 609 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 2 ) * *, I am requesting a * * complete file disclosure * *, including : 1. All data in my consumer file, including archived or supplemental information ; 2. The * * name, address, and phone number * * of each furnisher and entity that accessed or reported information ; 3. All * * dates and methods of verification * * used during any previous investigations ; 4. Any addresses, employers, or phone numbers associated with my file. 

If any of the disputed items can not be verified, please * * delete them entirely * * and provide me with a revised copy of my credit report reflecting all changes. 

XXXX XXXX XXXX XXXX XXXX XXXX. Supporting Documents I have enclosed copies of : - My * * government-issued photo ID * * - A * * utility bill * * as proof of my current address XXXX XXXX XXXX XXXX XXXX XXXX FCRA Compliance Notice Please complete your reinvestigation within * * 30 days * * of receipt of this letter as required by FCRA 611 ( a ). If your investigation determines that the information is inaccurate, incomplete, or can not be verified, you must delete or correct it immediately and notify me in writing. 

Failure to comply may result in complaints being filed with the * * Consumer Financial Protection Bureau ( CFPB ) * * and * * Federal Trade Commission ( FTC ) * *, as well as potential civil action under * * FCRA 616617 * * for statutory damages, attorneys fees, and costs. 

Thank you for your prompt attention to this matter. I expect a full response and corrected credit report upon completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX ( last four ) " `

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