Consumer complaint received 2025-05-30 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 Fl XXXX [ XXXX ] ( XXXX : XXXX ) XXXX XXXX XXXX Date : XXXX XXXX XXXXXX/XX/XXXX Subject : Formal Dispute and Request for Deletion of Unauthorized Accounts and Inquiries under FCRA Dear \ [ Credit Bureau Name ], I am writing to notify you of multiple instances of violations of my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), particularly under 15 USC 1681, including sections 602 ( b ), 1681e ( b ), 1681i, and 1681s-2. 

I reviewed my Experian credit report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX and found a number of XXXX XXXX inaccurate, unauthorized, and fraudulent accounts and inquiries XXXX XXXX that are not mine. These items represent serious violations of my consumer rights and should be promptly removed. 

XXXX XXXX XXXX DISPUTED ACCOUNTS ( NOT MINE ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any other accounts not opened or authorized by me * * XXXX XXXX XXXX FRAUDULENT INQUIRIES & IDENTITIES TO REMOVE : * 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 XXXX XXXX XXXX Under * * 15 USC 1681e ( b ) * *, credit bureaus must assure the * * maximum possible accuracy * * of any consumer information. Also, under * * 15 USC 1681i * *, if information is found to be * * inaccurate, incomplete, or unverifiable * *, it * * must be removed * * promptly from my credit file.

Furthermore, under * * 15 USC 1681s-2 * *, no entity should furnish information that they have reason to believe is inaccurate. If this data can not be verified or was not authorized by me, it * * must be deleted immediately * *. 

Please treat this letter as a formal dispute. I am requesting a full reinvestigation of the accounts and inquiries listed above. Upon completion, please provide me with a new copy of my credit report reflecting all corrections. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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