Consumer complaint received 2024-12-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : To Whom It May Concern : This letter serves as both a formal dispute and notice of my intent to pursue arbitration against Experian for a violation of the Fair Credit Reporting Act ( FCRA ) due to the existence of a mixed or merged credit file in my credit report. The improper merging of my credit file with that of another individual has resulted in inaccurate and harmful information being reported under my name.

Details of the Mixed/Merged File Issue : 1. Incorrect accounts and debts that do not belong to me, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} 2. Personal identifying information on my credit file that is not mine, such as : names, and addresses.

3. Hard inquiries or other records that I did not authorize or initiate.

Under FCRA 1681e ( b ), Experian has an obligation to maintain the maximum possible accuracy of information reported in consumer credit files. By allowing my file to be improperly merged with another individuals, Experian has failed to meet this standard.

Furthermore, I have made prior attempts to resolve this matter through disputes submitted on, but Experian has failed to adequately investigate and correct the inaccuracies. This constitutes a violation of FCRA 1681i ( a ), which requires a reasonable reinvestigation of disputed information.

Requested Resolution : 1. Immediate separation of my credit file from the improperly merged information.

2. Deletion of all inaccurate and unrelated accounts, inquiries, and identifying information.

3. Written confirmation that my credit file has been corrected and an updated copy of my credit report.

4. I am requesting {$1000.00} for each fraudulent, mixed or merged account listed under my name and address. I calculate this to be a grand total of {$12000.00}.

I am invoking my right to arbitration under Experians terms of service and the XXXX XXXX XXXX. If this matter is not resolved within 15 days, I will proceed with filing an arbitration claim. I will also escalate this issue to relevant regulatory agencies, including the Consumer Federal Trade Commission ( FTC ), for further investigation into Experians practices. 

To support my dispute, I have enclosed the following documents : A copy of my credit report with the erroneous information highlighted. 

I am requesting {$1000.00} for each fraudulent account listed under my name and address. I calculate this to be a grand total of {$12000.00}. 

Please direct all future correspondence to me at the address provided above. I trust Experian will take swift and appropriate action to resolve this matter and avoid further escalation. 

Note : I am requesting that you advance all arbitration filing fees to the XXXX. Please send correspondence via XXXX advising when the fees have been paid so the arbitration can commence. 


Sincerely, XXXX 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