Consumer complaint received 2025-06-27 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: OH

Complaint narrative:
XX/XX/XXXX This is illegal for closed accounts to keep reporting illegal late payments after they are closed. These illegal items needs to be removed asap under the FCRA Under USC 6801, 6802, FTC and FCRA we are tired of this/ We are requesting the names and officers that Handle this Investigation and this information needs to be provided in a timely manner under FCRA and FTC requirements. All documentation that is supported by whoever handles this investigation needs to be provided to me ASAP and if not these illegal items needs to be removed from my report. All supporting documents as far as who handle the case, provided beneficial information, and reasoning. If this is not provided these ILLEGAL/UNAUTHORIZED ITMES MUST BE DELETED IN A TIMELY MANNER! 

By law a lawsuit will be filed against XXXX for continuing reporting negative information in which my score dropped another XXXX as of today. Manual verification was required from receipt of this notice. You need to contact XXXX directly I only have one address on my file!

These accounts under FTC and FCRA are still illegally being reported to my credit report and is totally illegal. Remove those two accounts that I am not associated with or action will be taken directly against XXXX because you guys are the one thats failing to acknowledge the FTC and FCRA. Totally illegal! 

By law under FTC and FCRA and upon receipt of this notice by law its 30 days from opening my complaint and a resolution has to be resolved. XXXX XXXX, Experian has not followed the law under FCRA FTC and this is my final notice I will send to Experian about rightful laws. A lawsuit will be issued directly against XXXX XXXX, Experian for not following the rules of FCRA and FTC. These accounts are not mine or attached to me. I have all my documentation basically XXXX is not following the rules under FCRA and a lawsuit will be initiated if these items are not removed None of the illegal accounts/INQUIRIES below is tied to any of my addresses, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX XXXX and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX XXXX, and Experian report. 

These addresses nor accounts are tied my XXXX report and these illegal items needs to be removed Immediately. This is seriously causing a delinquency on my score. These accounts are not listed on my ADDRESS ON MY XXXX AND NEEDS TO BE REMOVED ASAP! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX XXXX  and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00} Capital One Date Opened XX/XX/XXXX Balance {$380.00} Capital One Date Opened XX/XX/XXXX Balance {$380.00}

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