Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

1. Inaccurate Name Entries : " My legal name is XXXX XXXX XXXX Any accounts or entries on my credit report that list the name XXXX XXXX XXXX are incorrect. I request that these entries be removed as they do not accurately reflect my identity. '' " This account is associated with an incorrect version of my name, which has caused confusion and inaccuracies in my credit report. My legal name is XXXX XXXX XXXX and I request the removal of any accounts associated with XXXX XXXX. XXXX XXXX 2. Incorrect Address Entries : " I have only resided at XXXX XXXX XXXX, XXXX, Texas XXXX. Any other addresses listed on my credit report are inaccurate and should be removed to reflect my correct residence. '' " The addresses listed on my credit report that do not match my current address of XXXX XXXX XXXX, XXXX, Texas XXXX are incorrect. I request that these addresses be removed to ensure accuracy. '' 3. General Dispute of Incorrect Information : " This entry is not mine and is linked to an incorrect name and/or address. I am not associated with this account, and it does not accurately reflect my financial history. I request that this item be removed immediately. '' " The information listed here is inaccurate and has resulted from an error with how my name and address have been reported. I am providing documentation to confirm my correct information and request that this item be removed. '' 4. Fraudulent or Unauthorized Activity : " This account was opened in my name without my knowledge or consent. I believe this is a case of identity theft. Please remove this account from my credit report as it does not reflect my legitimate credit activity. '' " I did not authorize the opening of this account, and it was mistakenly reported under my name. I am taking steps to protect my identity and request that this item be removed immediately. '' 5. Negative Items That Are Outdated : " The negative items on my credit report are past the statutory time frame for reporting. As per the Fair Credit Reporting Act ( FCRA ), negative items should be removed after seven years. I request the removal of these outdated items. '' 6. Inaccurate Account Information : " This account was paid in full and closed, yet it remains on my credit report as unpaid. Please update my credit report to reflect the accurate status of this account. '' " The reported balance and payment status of this account are incorrect. I have enclosed documentation to support the correct status, and I request an update to reflect accurate information. '' Example of a Full Personal Statement : " I, XXXX XXXX XXXX am submitting this statement to address multiple inaccuracies on my credit report. My legal name is XXXX XXXX XXXX ' yet several accounts are incorrectly listed under XXXX XXXX, ' including an account from XXXX. Additionally, any addresses on my report that do not match my current and correct address of XXXX XXXX XXXX, XXXX, Texas XXXX should be removed as they are inaccurate. I have never resided at or used any other address. These inaccuracies have caused confusion, and I am requesting that they be corrected immediately as per the Fair Credit Reporting Act ( FCRA ). I have attached documentation to verify my identity and correct address. '' I am requesting that the inaccurate information on my credit report, including incorrect names and addresses, be promptly removed. If this matter is not resolved, I will have no choice but to escalate it further. 

Please provide me with the contact information for your legal department, as I may need to pursue legal action if the inaccuracies are not addressed. 

Thank you for your immediate attention to this matter.