Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX, Ga XXXX XXXX SS Number : ( XXXX ) ( XXXX ) XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX GA XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Request for Removal of Unverifiable Accounts From Credit Report Dear Agencies, I am writing to formally dispute certain information appearing on my credit report, as I believe that some accounts listed are inaccurate and unverifiable. Recently, XXXX, XXXX of the credit reporting agencies, removed and deleted the disputed accounts from my credit report due to their inability to verify the information. In light of this, I respectfully request that you conduct a similar investigation, and remove the unverifiable accounts from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The specific accounts in question are listed below : XXXX XXXX XXXX XXXX Acct : XXXX {$27000.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Acct : XXXX {$30000.00} Opened : XX/XX/XXXX XXXX XXXX  Acct : XXXX {$31000.00} Opened XX/XX/XXXX XXXX XXXX Acct : XXXX {$7500.00} Opened : XX/XX/XXXX XXXX Acct : XXXX {$7500.00} Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Acct : XXXX ) Opened : XX/XX/XXXX {$7100.00} XXXXXXXX XXXX ( XXXX ) ( Acct : XXXX ) Opened : XX/XX/XXXX {$8900.00} XXXXXXXX XXXX ( Acct : XXXX ) Opened : XX/XX/XXXX {$800.00} XXXXXXXX XXXX ( XXXX ) ( Acct : XXXX ) Opened : XX/XX/XXXX {$10000.00} XXXX  ( XXXX XXXX XXXX Acct : XXXX ) Opened : XX/XX/XXXX {$82000.00} XXXX XXXX XXXX ( Acct XXXX XXXX ) Opened : XX/XX/XXXX {$10000.00} XXXX XXXX XXXX ( Acct XXXX XXXX ) Opened : XX/XX/XXXX {$14000.00} Consumer is reporting the accounXXXX XXXX, also was listed as XXXX XXXX on XXXX and XXXX. Experian is reporting this account under a different name ( XXXX ) XXXX and XXXX is reporting this account under the name of XXXX XXXX Experian is reporting a past due balance of {$3700.00}. XXXX is reporting a past due balance of {$0.00}. Experian reports that the first late payment was in XX/XX/XXXX. XXXX reports that the first late payment occurred in XX/XX/XXXX. XXXX. Dates and information reporting on this account inaccurate. XXXX completed an investigation on this account and determined that this account was fraudulent, inaccurate and or unverifiable and deleted this account from my credit report. ( See XXXX, Experian and XXXX Reports attached, account deleted ) In light of this, I respectfully request that you conduct a similar investigation, and remove the unverifiable accounts from my report in accordance with the Fair Credit Reporting Act ( FCRA ). Inaccuracies on credit files are in violation of the FCRA and must be deleted/removed. Information on accounts should not differ pursuant to the FCRA guidelines. Fair resolution is to delete the account. Consumer is reporting that he has no knowledge of this account. Please provide full documentation of debt validation, signature, and or contract information linking consumer to this debt. 

XXXX has also investigated XXXX XXXX and has determined it to be fraudulent, inaccurate and or unverifiable. XXXX listed the type of loan as an auto loan. Experian list the account as an unsecured loan. Experian list the account as paid as agreed and never late. XXXX list the account as late. XXXX listed the account as late in XXXX and XXXX. Experian listed the account as never late and paid as agreed. ( See XXXX and Experian reports ) These reports are inaccurate and in violation of the FCRA guidelines. Please remove the lending point account due to inaccurate reporting. Due to the inaccurate information reporting on the credit file. Please delete/remove this account from my credit report. 

According to the FCRA ( 15 U.S.C. 1681i ), you are required to investigate disputes and ensure that all information on my credit report is accurate and verifiable. XXXX has already removed the accounts in question due to their unverifiability. I request that you review the same information, and based on the outcome of your investigation, remove these unverifiable accounts from my credit report. 
Please provide me with a detailed written response outlining your investigation 's findings and any actions taken. If the accounts can not be verified, I expect them to be removed promptly. 

Under the FCRA, you are required to complete the investigation within 30 days of receiving this letter. If the accounts are not removed, I request that you provide the name, address, and phone number of the original creditor, along with any supporting documentation they provided to verify the information. 

Thank you for your attention to this matter. I look forward to your timely response and to having these inaccurate and unverifiable accounts removed from my credit report. 

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