Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Experian Dispute Department, I hope this letter finds you well. I am writing to dispute certain items on my credit report with Experian, citing inaccuracies and invoking my rights under the Consumer Financial Protection Bureau ( CFPB ) rules and regulations. 

Upon reviewing my credit report, I have identified information that I believe is inaccurate and not in compliance with applicable laws, specifically the Fair Credit Reporting Act ( FCRA ) and other relevant regulations enforced by the CFPB. 

The inaccurate information in question is as follows : 1-Inaccurate name on my report, only name that should be listed is XXXX XXXX XXXX all other names are misleading and inaccurate. ( i have a full Copy Right Notice filled under my name and am request name adjustment according to my true Identity. 
XXXX The only address that should be reported on my file is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX all other are false misleading inaccurate and considered identity theft. 
XXXXXXXX XXXX XXXXXXXX ( negative and Inaccurate ) dated XX/XX/XXXX should be removed immediately. 
XXXX XXXX XXXX ( negative and inaccurate ) dated XX/XX/XXXX should be removed immediately. 
XXXXXXXX XXXX XXXXXXXX ( negative and inaccurate ) dated XX/XX/XXXX should be removed immediately. 
XXXXXXXX XXXX  ( negative and inaccurate ) dated XX/XX/XXXX should be removed immediately. 
XXXX XXXX ( negative and inaccurate ) PAID IN FULL dated XX/XX/XXXX should be removed immediately. al this account has been disputed and sent additional documentation proving account paid in full. 

I am disputing these items based on the following grounds : 1. **Accuracy of Information ( 15 U.S.C . 1681e ) : ** The reported information is inaccurate, and I am exercising my right under 15 U.S.C. 1681e to dispute and correct any inaccuracies on my credit report.

2. **Verification of Information ( 15 U.S.C . 1681i ) : ** I request a thorough investigation and verification of the disputed items in accordance with 15 U.S.C. 1681i, which states that consumer reporting agencies must conduct a reasonable reinvestigation to determine the accuracy of disputed information.

3. **Timely Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : ** I expect Experian to complete the investigation within the timeframe specified by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that disputes be resolved within 30 days unless an extension is warranted.

4. **Consumer Financial Protection Bureau ( CFPB ) Rules : ** In accordance with the CFPB rules and regulations, I am formally disputing the accuracy of the reported information and invoking my right to a fair and timely investigation.

I kindly request that Experian promptly investigates and corrects the inaccuracies on my credit report. Provide me with a written response outlining the results of the investigation, the actions taken, and any corrections made to my credit report.

If, after a thorough investigation, the disputed information is found to be inaccurate, I request its removal from my credit report in accordance with the FCRA.

I appreciate your prompt attention to this matter and your commitment to ensuring fair and accurate credit reporting.

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