Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/year> To : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Formal Demand to Delete Inaccurate and Unauthorized Personal Information from My XXXX XXXX XXXX Dear XXXX XXXX XXXXXXXX Department, I am writing to file a formal dispute and legal demand regarding the false, inaccurate, and unauthorized information being reported in my XXXX XXXX consumer report. 
I demand the immediate removal of the following personal data, none of which belongs to me and is a clear violation of federal consumer protection laws : Inaccurate Information I Demand You Remove : - Addresses : Any address other than : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Phone Numbers : Any number other than : ( XXXX ) XXXX - Emails : Any email address other than : XXXX - Employers/Employment : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never XXXX an account - XXXX XXXX  I have never had an account - Occupations : I have never been employed in any of the listed occupations and reject all associated records - Income and Pay Frequencies : Any income level, pay frequency, or banking information reported without my consent is false and must be immediately deleted Legal Basis for My Demand XXXX XXXX is currently in violation of the following sections of the Fair Credit Reporting Act ( FCRA ) and related consumer laws : 1. 15 U.S.C. 1681e ( b ) You are required to follow reasonable procedures to ensure maximum possible accuracy of the information you report. You have failed to meet that obligation.

2. 15 U.S.C. 1681i ( a ) I am formally disputing the accuracy and completeness of this data. You are required to conduct a reinvestigation and delete all unverifiable information within 30 days.

3. 15 U.S.C. 1681g ( a ) I am asserting my right to know all information you have on file about me and to ensure it is correct.

4. 15 U.S.C. 1681s-2 ( a ) Data furnishers must report only accurate and verified information. You are responsible for ensuring any third-party data in your system is accurate and authorized.

5. GLBA and FACTA Compliance The reporting of false personal financial and employment data violates privacy rights under the Gramm-Leach-Bliley Act and Fair and Accurate Credit Transactions Act, as this non-public personal information has never been disclosed or authorized by me. 

Deadline & Enforcement Under the FCRA, you have 30 days from the receipt of this notice to : - Fully delete all inaccurate and unauthorized personal data from my consumer report - Provide written confirmation of the deletion and results of your reinvestigation - Cease all future reporting or distribution of this false information If you fail to comply, I will file formal complaints with the : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - Illinois State Attorney Generals Office - And pursue civil action under 15 U.S.C. 1681n and 1681o for damages Attached Documents ( to include when mailing or uploading online ) : - A copy of my government-issued photo ID - my car registration to verify my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation