Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a notarized copy of the letter below, a copy of my XXXX report, my license, proof of address, and my social security card. In addition, I also included a request to remove unknown addresses, phone numbers, and names from my consumer report and requested that the only name and address to be reported on my consumer report, is the name and address listed on my state issued drivers license. They have not responded, not updated my personal details ( names, addresses, etc. ) nor have they removed the unverifiable items from my consumer report. I have been the victim of identity theft and acts of fraud have been committed in my name. While I understand this is a growing issue, it is of the utmost importance that Experian be responsive and and diligent with addressing request like mine because in failing to take action, they become part of the problem and further victimize people like me. 



Experian, XXXX XXXX XXXX XXXX  XXXX, TX XXXX Subject : Request for Immediate Removal of False and/or Unverifiable Items Reference : 15 USC 1692 - Fair Debt Collection Practices Act Dear Experian Consumer Dispute Center, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) ( A ) ( i ), unverified accounts must be removed if you are unable to provide me with a copy of verifiable proof.

Please verify the following accounts or remove them immediately.

Dispute 1 Account Information : Name : XXXX XXXX XXXX  Account Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Dispute 2 Account Information : Name : XXXX XXXX XXXX XXXX Account : XXXX Address : XXXX XXXX XXXX, XXXX XXXX VA XXXX Dispute XXXX Account Information : Name : XXXX XXXX XXXX  XXXX XXXX  Account : XXXX Address : XXXX XXXX XXXX, XXXX  XXXX, MO, XXXX XXXX XXXX Account Information : Name : XXXX  XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Address : XXXX XXXX XXXX, XXXX  XXXX, MO, XXXX Dispute 5 Account XXXX : Name : XXXX  XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Dispute 6 Account Information : Name : XXXX  XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dispute 7 Account Information XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CT, XXXX Dispute 8 Account Information : Name : XXXX XXXX XXXX XXXX  Account : XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Dispute 9 Account Information Name XXXX XXXX XXXX XXXX  Account : XXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX, MA XXXX Dispute 10 Account Information Name : XXXX XXXX XXXX  Account : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX Dispute 11 Account Information Name : XXXX XXXX XXXX  Account : XXXX Address : XXXX XXXX XXXX, XXXX, SC XXXX Dispute 12 Account Information Name : XXXX XXXX  XXXX Account XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Dispute 13 Account Information Name : XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MA, XXXX Dispute 14 Account Information Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX Dispute 15 Account Information Name : XXXX XXXX XXXX XXXX  Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX Dispute 16 Account Information Name : XXXX XXXX XXXX XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX. Violation of the Fair Debt Collection Practices Act ( FDCPA ) - 15 USC 1692 : According to 15 USC 1692, debt collectors are prohibited from engaging in unfair or deceptive practices when attempting to collect a debt. These accounts were placed with a debt collection agency without proper validation of the debt as required under Section 1692g of the FDCPA, or the debt collectors failed to provide notices of the debt within the required time frame.

2. Inaccurate Reporting : I have no knowledge of these debts.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in my credit report. I request that you promptly investigate this matter. If you are not able to provide me with the original consumer contract with my signature on it, please remove the respective dispute from my consumer report immediately and provide me with the results of your investigation along with a copy of my updated consumer report if the disputed item is removed.

Thank you for your prompt attention to this matter.

* Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file. 


Thank You, 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