Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute multiple items on my credit report, which was obtained from Experian. Upon reviewing the report, I have identified significant inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. As a result, I request that these items be fully investigated and removed from my credit report within the timeframes specified by the FCRA. 
Below are the disputed items that require immediate attention : ________________________________________ Disputed XXXX XXXX XXXX. Incorrect Name : Reported Name : XXXX, XXXX, XXXX Disputed Issue : This name does not accurately reflect my legal name. As required under XXXX XXXX. XXXX ( b ), credit reporting agencies must maintain procedures that ensure the maximum possible accuracy of consumer credit files. Please correct this error. 
XXXX. Incorrect Alias ( Also Known As ) : Reported Alias : XXXX, XXXX, XXXX Disputed Issue : This alias is incorrect. Please ensure that the correct legal name is used in accordance with XXXX XXXX. XXXX ( b ), which mandates the accurate reporting of consumer information. 
XXXX. Incorrect Address Information : Reported Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Disputed Issue : This address does not belong to me. Please remove it from my credit file under XXXX XXXX. XXXX, which requires the deletion of inaccurate or outdated address information. 
XXXX. Incorrect Address Information : Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Disputed Issue : This address is also incorrect and does not pertain to me. I request the immediate removal of this erroneous address in compliance with XXXX XXXX. XXXX. 
________________________________________ Disputed Accounts XXXX. XXXX XXXX XXXX Account XXXX : XXXX Violation of XXXX XXXX. XXXX ( Validation of XXXX ) Disputed Issue : This account has not been validated. Under XXXX XXXX. XXXX, you are required to verify the accuracy of this debt. If you are unable to provide the necessary validation within 30 days, this item must be deleted from my report. 
XXXX. XXXX  XXXX Account Number : XXXX Violation of XXXX XXXX. XXXX ( Permissible Purposes of Consumer Reports ) Disputed Issue : I dispute this inquiry, as it violates XXXX XXXX. XXXX, which requires that inquiries be made for permissible purposes only. Please delete this entry from my credit report immediately. 
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Violation of XXXX XXXX. XXXX ( Validation of XXXX ) Disputed Issue : This account has not been validated, and under XXXX XXXX. XXXX, you must validate the debt. Failure to do so within 30 days will require that this account be deleted. 
XXXX. XXXX  XXXX Account Number : XXXX Violation of XXXX XXXX. XXXX ( b ) ( Responsibilities of Furnishers of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This account violates the provisions under XXXX U.S.C. XXXX ( b ) due to inaccurate reporting. I request that this item be deleted immediately. 
XXXX. XXXX XXXX ( XXXX ) Account XXXX : XXXX Violation of XXXX XXXX. XXXX ( Accuracy of Information ) Disputed Issue : This account contains inaccurate information, and it violates XXXX XXXX. XXXX, which requires that consumer reporting agencies maintain accurate information. Please delete this inaccurate item from my report. 
XXXX. XXXX XXXX Account XXXX : XXXX Violation of XXXX XXXX. XXXX ( b ) ( Responsibilities of Furnishers of Information ) Disputed Issue : The information provided by the furnisher is inaccurate and must be removed in compliance with XXXX XXXX. XXXX ( b ). 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Violation of XXXX U.S.C. XXXX ( Permissible Purposes ) Disputed Issue : This account was reported in violation of XXXX XXXX. XXXX, which governs permissible purposes for obtaining consumer reports. Please remove this inaccurate entry from my credit report. 
XXXX. XXXX XXXX  XXXX Account Number : XXXX Violation of XXXX U.S.C. XXXX ( b ) ( Responsibilities of Furnishers of Information ) Disputed Issue : This account reflects inaccurate information. Please delete this inaccurate account in accordance with XXXX XXXX. XXXX ( b ). 
XXXX. XXXX XXXX ( XXXX ) Account Number : XXXX Violation of XXXX XXXX XXXX ( b ) ( Responsibilities of Furnishers of Information ) Disputed Issue : The account reporting is inaccurate and must be corrected. Please ensure that all data is accurate, or remove the entry in compliance with XXXX XXXX. XXXX ( b ). 
XXXX. XXXX XXXX ( XXXX ) Account XXXX : XXXX Violation of XXXX XXXX. XXXX ( a ) ( Congressional Findings and Statement of Purpose - Consumer Privacy ) Disputed Issue : This account violates XXXX XXXX XXXX ( a ) regarding consumer privacy. I request the immediate deletion of this inaccurate information from my credit report. 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Violation of XXXX U.S.C. XXXX ( Permissible Purposes of Consumer Reports ) Disputed Issue : This entry violates XXXX XXXX. XXXX and must be deleted due to lack of permissible purpose. 
XXXX. XXXX XXXX Account Number : XXXX Violation of XXXX U.S.C. XXXX ( b ) ( Responsibilities of Furnishers of Information ) Disputed Issue : This item must be deleted under XXXX XXXX. XXXX ( b ) due to inaccurate reporting. 
XXXX. XXXX XXXX Account XXXX : XXXX Violation of XXXX XXXX. XXXX ( Permissible Purposes of Consumer Reports ) Disputed Issue : This entry violates XXXX XXXX. XXXX and should be deleted due to lack of permissible purpose. 
XXXX. XXXX XXXX Account Number : XXXX Disputed Issue : The status of this account is inaccurate. Please remove or update this entry. 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Violation of XXXX U.S.C. XXXX ( Permissible Purposes of Consumer Reports ) Disputed Issue : Please remove this account under XXXX U.S.C. XXXX, as it was reported without permissible purpose. 
________________________________________ In accordance with XXXX XXXX. XXXX ( a ), I hereby request that you conduct a thorough investigation into the disputed items and remove those that can not be verified. I understand that you are required to complete this investigation within XXXX  days of receiving this letter. 
Please send me an updated copy of my credit report, free of charge, as required by the FCRA. Additionally, I request that you notify any parties who have received a copy of my credit report in the past XXXX months about the corrections made.

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