Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I am writing to formally dispute and request immediate reinvestigation of the following negative accounts, which are either inaccurately reported, unverifiable, or legally deficient under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 
Despite prior attempts to address these issues, the items listed below remain unresolved and continue to harm my credit standing and financial stability. I demand that each account be properly investigated or removed if it can not be verified within the allowed time frame. 
________________________________________ Disputed Accounts with Legal Justification XXXX. XXXX XXXX # XXXX Late Payments Reason : Inaccurate reporting of payment history. My records do not reflect any missed or late payments.

Violation : FCRA 607 ( b ) Failure to report with maximum possible accuracy.

Requested Action : Provide complete payment history documentation or remove. 
XXXX XXXX XXXX XXXXXXXX Late Payments Reason : Payments made on time through autopay ; no justification for derogatory mark.

Violation : FCRA 611 ( a ) Inaccurate and unverified information.

Requested Action : Reinstate accurate status or delete the account.

XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Reason : This charge-off is not mine. No original contract or billing statements have been furnished.

Violation : FCRA 609 ( a ) ( 1 ) Failure to provide full verification of account. 
Requested Action : Delete immediately unless verified with original documentation. 
XXXX. XXXX XXXX # XXXX Charge Off Reason : Account is past statute of limitations and should no longer be reported. 
Violation : FCRA 605 ( a ) Reporting obsolete accounts beyond 7 years.

Requested Action : Remove for being outdated and unverifiable. 
XXXX XXXX XXXX  XXXX Charge Off Reason : Reporting inconsistency exists across bureaus and does not match my financial records. 
Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information. 
Requested Action : Provide method of verification or delete. 
XXXX. XXXX # XXXX Late Payments Reason : Missed payments were due to temporary hardship, yet no XXXX deferment or forbearance notation was applied. 
Violation : FCRA + CARES Act Compliance Failure. 
Requested Action : Update accurately or remove. 
XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Reason : No supporting documents have been presented after dispute. 
Violation : FCRA 611 ( a ) ( 1 ) Failure to verify upon dispute. 
Requested Action : Delete immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Reason : Appears to be a duplicate of the above account, causing inflated negative impact. 
Violation : FDCPA 807 ( 2 ) ( A ) False representation of amount or legal status. 
Requested Action : Remove duplicate and provide proof if different. 
________________________________________ Outdated/Incorrect Address to Be Removed XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX This address is no longer associated with me and should be permanently deleted per FCRA 605 ( a ).

________________________________________ Requested Actions 1. Conduct a complete reinvestigation of the above-listed accounts. 
XXXX. Remove all unverifiable, inaccurate, duplicate, or obsolete items from my report. 
XXXX. Delete the outdated address listed above. 
XXXX. Provide the method of verification, including the name, address, and contact details of each furnisher. 
5. Send me a revised and corrected copy of my credit report reflecting all necessary changes.

________________________________________ If the above accounts can not be verified within 30 days, they must be permanently deleted under FCRA 611 ( a ) ( 1 ). Please treat this dispute with urgency and in accordance with federal law. 
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