Consumer complaint received 2025-04-20 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: MO

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Final Notice of FCRA Violation Demand for Immediate Deletion of Inaccurate XXXX Account To Whom It May Concern, This letter is to formally notify you that Experian is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., in relation to the XXXX account that is currently being reported on my credit file. 

I have disputed this account on multiple occasions, asserting that : I have never held any account with XXXX ; and I have never made any late payments on such an account. 

Each time, you responded that the account was " verified as accurate. '' In accordance with 15 U.S.C. 1681i ( a ) ( 7 ), I then requested the method of verification, including : The name and contact number of the person or department you spoke with ; The date and time of the verification ; and All documentation used to confirm that this account belongs to me, including a full payment history.

According to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide this information within five ( 5 ) business days of receiving such a request. To date, I have not received a response, and that statutory period has expired.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), the law clearly states : If, after any reinvestigation an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer In other words, if you can not verify the disputed information, you are legally obligated to delete it from my credit report. You have failed to provide any meaningful verification and continue to report the account, which constitutes willful noncompliance under the FCRA. 
Furthermore, the FCRA mandates a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). Merely relying on the original furnisher through automated systems like e-OSCAR does not satisfy this requirement. In XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ), the court found that : A reinvestigation that merely parrots the furnishers response without independent verification is an inadequate investigation under the FCRA. 

This pattern of inaction violates 15 U.S.C. 1681i ( a ), 1681i ( a ) ( 5 ) ( A ), 1681i ( a ) ( 6 ) ( B ) ( iii ), and 1681e ( b ). Under 15 U.S.C. 1681n and 1681o, you are liable for : Actual damages ; Statutory damages up to {$1000.00} per violation ; Punitive damages ( for willful noncompliance ) ; and Attorneys fees and costs. 

Accordingly, I am demanding the immediate deletion of the XXXX account from my credit file. Failure to comply will result in legal action, and I will submit formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

This letter constitutes your final notice to resolve this matter lawfully. 

Sincerely, 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