Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
This is my fourth formal request disputing the inaccurate and unverified items on my credit report. You have repeatedly failed to comply with FCRA 611 ( a ), which requires you to conduct a proper investigation and verify the accuracy of all reported information. Your failure to do so constitutes a clear violation of federal law.

Furthermore, your noncompliance violates FCRA 1681i ( a ) ( 1 ) ( A ), which mandates reinvestigation of disputed items. If you can not provide proper verification, these items must be removed immediately, per FCRA 1681i ( a ) ( 5 ). Your continued failure to investigate accurately and respond within the legally required timeframe will result in formal complaints to the CFPB, FTC, and my State Attorney Generals Office. 
FCRA Violations by Equifax 1. Failure to Conduct a Reasonable Reinvestigation ( FCRA 1681i ) You have ignored previous dispute letters, failing to provide proper validation of the disputed accounts.

2. Failure to Verify Disputed Information ( FCRA 609 ( a ) ( 1 ) ) You have not provided full account details, payment histories, or original creditor documentation.

3. Reporting Unverifiable Information ( FCRA 1681e ( b ) ) Continuing to report unverified accounts violates my rights under federal law.

4. Failure to Remove Inaccurate Information ( FCRA 1681i ( a ) ( 5 ) ) You are obligated to delete unverifiable information but have failed to do so.

5. Allowing Unauthorized Hard Inquiries ( FCRA 604 ( a ) ( 2 ) ) You have permitted inquiries on my report without proper authorization.

Disputed Charge-Offs Violation of FCRA 609 & 1681s-2 ( b ) These accounts require full validation, including signed agreements, full transaction histories, and proof of lawful reporting : XXXX XXXX XXXX XXXX Lacks documented proof of account details. 
XXXX XXXX XXXX XXXXXXXX No signed agreement provided. 
XXXX XXXX XXXX XXXXXXXX Fails to meet accuracy standards. 
XXXX XXXX XXXX XXXXXXXX Balance inconsistencies detected. 
Disputed Collection Accounts FDCPA & FCRA 609 ( b ) Violations Debt collectors must provide a full chain of custody, original contracts, and itemized account details : XXXX XXXX XXXX XXXXXXXX No original creditor documentation provided. 
XXXX XXXX XXXX XXXXXXXX Failure to provide proof of assignment. 
XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX No legally required documentation. 
XXXX. XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX No valid proof of debt ownership. 
XXXX. XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX No proper account validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting inaccuracies detected. 
Disputed Late Payments Violation of FCRA 1681s-2 ( a ) ( 1 ) Late payment reporting must be 100 % accurate. Any discrepancies or incomplete information must be corrected : XXXX XXXX XXXX XXXX XXXX Payment history inconsistency. 
XXXX XXXX XXXX XXXX  Incorrect reporting detected. 
XXXX. XXXX XXXX XXXX XXXX # XXXX Failure to report accurate data. 
Unauthorized Hard Inquiries Violation of FCRA 604 ( a ) ( 2 ) If proof of my written consent can not be provided, these inquiries must be deleted immediately : XXXX XXXX XXXXXX/XX/XXXX No permissible purpose provided. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry made without authorization. 
Legal Consequences & Instructions for Resolution To bring your reporting into compliance, I demand that you : Conduct a proper reinvestigation, as required by FCRA 1681i.

Remove any accounts that can not be fully verified under FCRA 1681i ( a ) ( 5 ). 
Delete all unauthorized inquiries unless valid proof of consent is provided. 
Correct all inaccurately reported late payments immediately. 
Send me an updated copy of my credit report reflecting these changes. 
If I do not receive a satisfactory resolution within 15 days, I will be forced to file formal complaints against your bureau for noncompliance with federal regulations. 
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