Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. # XXXX XXXX XXXX, Tx, XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute of Inaccurate Personal Information and Request for Immediate Deletion of Associated Accounts Pursuant to FCRA To Whom It May Concern : This letter serves as a formal dispute and demand for immediate correction under my rights as a consumer pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After a recent review of my Experian credit report, I have identified multiple accounts that are erroneously associated with inaccurate personal information, including but not limited to incorrect names, addresses, date ( s ) of birth, Social Security number variations, or employment information.

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting a reinvestigation into all accounts reporting under these incorrect identifiers. It is my firm position that any and all accounts associated with such inaccurate personal information are not verifiable as belonging to me and must be deleted and permanently removed from my consumer credit file. 
Under 15 U.S.C. 1681e ( b ), Experian has a statutory duty to maintain maximum possible accuracy in the information contained within consumer reports. Maintaining accounts that are tied to unverifiable or false personal information constitutes a breach of this obligation and may expose Experian to civil liability under 15 U.S.C. 1681n and 1681o.

Accordingly, I demand that Experian : 1. Conduct a thorough and good faith reinvestigation of all accounts tied to inaccurate personal identifiers on my report ; 2. Delete and expunge any accounts which can not be verified as being associated with my accurate, legally recognized identity ; 3. Provide a revised and corrected copy of my credit report reflecting all deletions and changes made ; 4. Provide written confirmation of the outcome of this dispute and a summary of the reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ).

For reference, I am including the following supporting documentation : Copy of my government-issued identification ( e.g., driver 's license or passport ) ; Proof of current address ( utility bill or bank statement ) ; Copy of my Social Security card or official SSA correspondence ; Highlighted copy of the Experian credit report showing disputed items.

Be advised that failure to comply with this request within the timeframe outlined in the FCRA ( typically 30 days ) may result in the filing of a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consideration of legal action to enforce my rights. 
Please handle this matter with the urgency and compliance it legally demands. I expect to receive written confirmation of your actions within 30 calendar days from the receipt of this dispute. 
Sincerely, XXXX 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