Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
To Whom It May Concern, This is my third and final attempt to resolve multiple inaccurate, unverifiable, and misleading accounts appearing on my credit report. Despite my previous good faith disputes, these accounts have not been adequately investigated or removed as required by law. Your failure to properly address these disputes constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i and 1681e ( b ).

Below are the accounts that continue to reflect erroneous derogatory information : XXXX. XXXX Account # : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$18000.00} Issue : Late Payments This account is inaccurately reporting late payments. I demand a full reinvestigation with documented proof of the payment history. If you can not provide a signed contract and direct evidence verifying this negative reporting, it must be removed immediately. Reporting unverifiable data is a violation of FCRA 607 ( b ) and 611. 

XXXX. XXXX XXXX  XXXX ( XXXX OF XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Issue : Charge Off This charged-off account is being reported without proper validation. If this debt has been sold or transferred, you are legally required to update or delete this account. Any continued reporting of unverified or incomplete data violates FCRA XXXX ( b ). 

XXXX. XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2900.00} Issue : Charge Off This account is in dispute as it was opened and charged off fraudulently. I demand an original signed application and billing history to substantiate this debt. In the absence of verifiable documentation, this item must be permanently removed. 

XXXX. XXXX XXXX XXXX  Account # : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$1500.00} Issue : Charge Off This item remains unresolved and unverifiable. Continued inclusion without sufficient proof of liability or validation documentation is a violation of your legal obligations under FCRA 611 and 1681i ( a ).

LEGAL NOTICE : You are hereby notified that failure to correct or delete these inaccurate items within the 30-day window provided by federal law will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals Office. I will also pursue legal action for damages under FCRA 1681n and 1681o if necessary.

I am requesting the complete results of your reinvestigation, including the name and contact information of the furnisher ( s ) of the information and copies of all documentation used to verify the accounts in question. 

Please be advised this letter is being sent via certified mail for documentation purposes. I expect a timely response as required by law.

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