Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
regarding an account listed on my credit report under the name XXXX XXXXXXXX. I have no knowledge of ever doing business with or authorizing any transactions with this entity, and I dispute both the origin and validity of this account entirely. 
Background and Dispute : Unauthorized Account Listing : The XXXX XXXXXXXX account appears on my credit report without my consent or any prior business relationship. I dispute the legitimacy of this account and request detailed verification of its origin, including all supporting documentation and chain-of-title evidence that links it to any transaction in my name. 

Failure to Verify Under Legal Standards : Under the Uniform Commercial Code ( UCC ) 1-201 ( 20 ), any record that purports to verify an obligation must be substantiated by clear evidence or a sworn certification. Furthermore, UCC 3-501 ( b ) ( 2 ) requires that a party produce evidence of the obligation upon demand. I have not received such valid documentation proving that I have any ties to XXXX XXXX. This reporting is, therefore, inaccurate and unverified. 

Violation of Federal Statutory Requirements : In addition, the reporting of this unverified account may be in violation of relevant provisions of the United States Code ( XXXX ) that govern accurate credit reporting, including the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that all items on a consumers credit report must be accurate and fully verifiable. Since I did not authorize any business with XXXX XXXXXXXX, its continued presence on my credit report is both misleading and harmful. 


Demands and Requested Relief : Immediate Investigation : I request that the CFPB launch a thorough investigation into the origin of the XXXX XXXXXXXX account. Please require that the data furnisher provide comprehensive documentation, including any verification records and evidence that establish a valid connection between myself and XXXX XXXXXXXX. 


Permanent Deletion with Prejudice : If such verification can not be provided in full compliance with UCC verification requirements and the statutory mandates under the USC and FCRA, I demand that this account be permanently deleted from my credit reportwith prejudiceand never reinstituted without proper verification.

Compensation for Damages : The existence of this unauthorized and unverified account has caused me significant financial harm, including credit denials and adverse effects on my financial reputation. I, therefore, demand reasonable monetary compensation for the damages incurred as a result of this gross error and negligence. 


I appreciate your prompt attention to this matter and expect a detailed response outlining the steps taken to investigate and resolve my complaint. Please do not hesitate to contact me if further information is required.

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