Consumer complaint received 2025-05-26 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: ME

Complaint narrative:
To Whom It May Concern, This letter is a formal Round 1 dispute requesting the immediate reinvestigation and deletion of inaccurate, obsolete, and unverifiable information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA 609 & 611 ), XXXX XXXX Compliance Guidelines, and my consumer rights. 
Inaccurate Personal Information Request for Deletion : The following addresses are unfamiliar, outdated, or incorrect, and should be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 These addresses XXXX either duplicates or have never been associated with any account I legitimately opened. Per FCRA XXXX ( b ), credit bureaus must ensure the maximum possible accuracy of consumer information. Please delete them immediately to prevent any potential file mixing or identity confusion. 
Inaccurate Late Payment Accounts Request for Verification or Deletion : XXXX # XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/year> Reporting a recent late payment with no documentation. I request the original loan agreement and payment history per FCRA XXXX ( a ) ( XXXX ). If this can not be provided, it must be removed for non-verifiability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/year> This tradeline reflects late payment despite being new and XXXX have been reported prematurely. I demand XXXX XXXX compliant review and documentation showing permissible purpose and accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/year> XXXX a charge-off with a balance of {$5700.00}. If this account has been forgiven or a XXXX was issued, continuing to show a balance violates IRS regulations and FCRA XXXX XXXX Please provide documentation verifying this balance or remove it immediately. 
Unauthorized Inquiries Remove for Lack of Permissible Purpose : I never authorized the following hard inquiries, and under FCRA XXXX, no entity XXXX access my credit file without my consent or a legitimate permissible purpose. These must be removed : 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 XXXXXXXX are legally required to provide evidence that these inquiries were authorized by me. If you can not provide this documentation, these entries must be removed. 
I am asserting my consumer rights under the FCRA and requesting a full reinvestigation of these items. If you can not verify the information within the legally required 30-day period, I demand that it be permanently removed from my credit file.

Failure to comply will result in formal complaints filed with the CFPB, FTC, and State Attorney General.

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