Consumer complaint received 2025-12-25 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: NV

Complaint narrative:
I am submitting this letter to dispute all adverse, negative, inaccurate, misleading, abusive, unverified, and/or unauthorized information currently appearing in my consumer credit file. This dispute is made pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and I also cite the XXXX  Victims Protection Act ( TVPA ), 22 U.S.C. 7101 et seq., where applicable if any reporting arises from trafficking-related identity exploitation or coerced financial obligations. 
No Police Report Requirement The Debt Bondage Repair Act does NOT require a police report as a prerequisite for disputing, blocking, correcting, or removing adverse credit information. Any insistence on a police report as a condition of compliance constitutes an unlawful barrier and willful noncompliance with federal law. 
Statement Under Penalty of Perjury I hereby state, under penalty of perjury, that the adverse items listed below are NOT MINE, NOT AUTHORIZED BY ME, INACCURATE, and/or UNVERIFIABLE, and therefore do not meet the legal standards for continued reporting. 
Items I am disputing Demand for Immediate Removal The following accounts must be deleted and permanently suppressed from my credit file : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1900.00} Status : Not mine/ unauthorized / inaccurate XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$40000.00} Status : Duplicate reporting / inaccurate balance/ not mine XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$43000.00} Status : Not mine / unverified / unauthorized XXXX XXXX  ( Collection Account ) Reported Balance : {$1700.00} Status : Not mine / unverifiable / inaccurate XXXX XXXX XXXX ( Collection Account ) Reported Balance : {$1000.00} Status : Not mine / unverifiable / unauthorized XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$30000.00} Status : Not mine/ unauthorized / unverifiable XXXX  XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$15000.00} Status : Not mine/ unauthorized / unverifiable Legal Obligations Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681c, 1681e ( b ) ) and the principles I have invoked in reference to the Debt Bondage Repair Act and the TVPA where applicable, you are required to : Conduct a reasonable reinvestigation using competent, original evidence ; Delete or permanently suppress any information that can not be fully verified ; Cease reporting any data that perpetuates involuntary financial restraint or harm ; and Provide written confirmation of the actions taken. 

Verification through automated systems, thirdparty databases, or creditor statements alone does not meet the legal standard for verification in my case. I demand original- source documentation and competent evidence for any item you claim to verify.

Formal Demand I hereby demand : Immediate deletion and permanent suppression of all accounts listed above from my credit file ; Written confirmation of your compliance and a description of the methods and evidence used during your reinvestigation ; and An updated copy of my consumer report reflecting these changes, including confirmation that you have notified downstream users of any deletion or suppression, if applicable. 
Please be advised that any continued reporting of the disputed items after your receipt of this notice will be documented by me as willful noncompliance with federal law, exposing your agency to civil liability, including statutory damages, actual damages, punitive damages, and attorneys fees. 
Supporting Documents I will attach scans of supporting documentation to this dispute ( for example : government-issued ID, proof of current address, and any relevant identity-theft or account statements ). Please consider these attachments as part of my dispute file and include them in your reinvestigation. 
Delivery and Contact I request that you respond via certified mail to my current mailing address listed above and provide an updated consumer report. I have not provided a phone number or email for inclusion in this letter; please direct all correspondence to my mailing address.

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