Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Personal Information FCRA 1681e ( b ), 1681i ( a ) Dear Experian Consumer Dispute Department : I am writing to formally dispute inaccurate and unauthorized personal information on my Experian credit file, as identified in my credit report dated [ insert date of report, e.g., XX/XX/XXXX ]. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) ( failure to maintain reasonable procedures for accuracy ) and 1681i ( a ) ( failure to conduct a reasonable reinvestigation ). I request that Experian investigate these discrepancies, forward this dispute to the relevant data furnishers via e-OSCAR, and delete all unverified or inaccurate information within 30 days, as required by 1681i ( a ) ( 1 ). 
Below are the disputed items, which I have not authorized or verified : Name/Alias Correct Information : My legal name is XXXX XXXX XXXX XXXX 
Disputed Information : Unauthorized aliases or variations, including XXXX XXXX, XXXX XXXX, or any other form. 
Issue : These entries are inaccurate, unverified, and risk identity confusion or file mixing. 
Demand : Delete all unauthorized names/aliases unless Experian provides documented proof of their accuracy and permissible use. 
Address * Correct Information : My current address is XXXX XXXX XXXX, XXXX, NY XXXX. 
Disputed Information : Any other addresses listed in my file. 
Issue : I have not resided at or authorized other addresses, and their inclusion violates Metro 2 standards and 1681e ( b ).

Demand : Delete all unverified addresses and provide the source of any retained address data.

Date of Birth ( DOB ) Correct Information : My DOB is XX/XX/XXXX. 
Disputed Information : Any additional or conflicting DOB entries. 
Issue : These inaccuracies misrepresent my identity and may lead to adverse credit decisions. 
Demand : Delete all incorrect DOBs and provide the source of the disputed data. 
Telephone Number Correct Information : My authorized phone number is XXXX. 
Disputed Information : Any other phone numbers listed. 
Issue : Unauthorized numbers are unverified and may expose me to privacy risks. 
Demand : Delete all unverified phone numbers and provide evidence of their permissible inclusion. 
Employment History Correct Information : I do not authorize any employer information on my credit file. 
Disputed Information : Any current or prior employers listed [ if known, e.g., XXXX XXXX XXXX XXXX  ]. 
Issue : I have not provided or consented to employer data, and its inclusion is inaccurate. 
Demand : Remove all employer information unless verified with my consent or a documented source. 
Social Security Number ( SSN ) Issue : My SSN ( ending in [ last 4 digits ] ) should not be disclosed to third parties without my consent or a permissible purpose under 15 U.S.C. 1681b. 
Demand : Confirm that my SSN is not being reported or shared with unauthorized parties and provide safeguards in place to protect it. 
Co-Applicant/Spouse/Associations Correct Information : I have no co-applicants, spouses, or authorized third-party associations on my file. 
Disputed Information : Any such associations listed. 
Issue : These entries suggest file mixing or inadequate verification, violating 1681e ( b ).

Demand : Remove all unauthorized associations and provide the source of this data.

Additional Requests : Method of Verification ( MOV ) : Under 15 U.S.C. 1681i ( a ) ( 7 ), provide the name, contact information, and stated permissible purpose of each data furnisher for the disputed items, along with details of Experians verification procedures.

Furnisher Investigation : Per 15 U.S.C. 1681s-2 ( b ), forward this dispute to all relevant furnishers via e-OSCAR for investigation and ensure they verify or delete the disputed information. 
Corrected Report : Send a corrected credit report reflecting all deletions to my address above. 
Legal Notice : Failure to resolve this dispute within 30 days may constitute negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o, entitling me to actual, statutory ( up to {$1000.00} per violation ), and punitive damages. I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and New York State Attorney General under the New York Fair Credit Reporting Act ( General Business Law 380 ) if unresolved. 



All statements are made in good faith based on my review of my credit file. I reserve all rights under federal and state law. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, NY 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