Consumer complaint received 2025-02-24 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: NJ

Complaint narrative:
**FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification Dear Experian XXXX XXXX XXXX XXXX **** Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX**- Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report Incorrect Name - XXXX XXXX - This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT.

in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g.

They were to notify me of this in writing 5 days prior, I was not. 
As the original creditor, only I can validate this debt. I do not validate this debt. 
# # # Legal Basis for Dispute and Unyielding Demands : **1. FCRA Section 605B, 15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft** In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally demanding the immediate blocking of the aforementioned account as it is a direct result of identity theft. Enclosed **2. Verification Documentation : ** Should you dispute my claims, I demand you provide verifiable documentation to substantiate the accuracy of the reported information.

**3. Permissible Use Inquiry : ** A thorough review of the permissible use of my consumer report must be conducted. Any unverifiable accounts must be swiftly removed. 
Your prompt compliance with these demands will not only adhere to federal regulations but also restore my trust. However, any delays will compel me to escalate this matter to the relevant authorities. 
I expect to hear back from your office within 30 days of receipt of this letter to confirm that the inaccuracies have been rectified.

Thank you for your immediate attention to this urgent matter.

( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter

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