Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
I am writing to formally request the removal of inaccurate, outdated, and potentially fraudulent information from my credit report, which I believe violates provisions set forth under the Fair Credit Reporting Act ( FCRA ). After carefully reviewing my credit report, I have identified several discrepancies that require immediate action to comply with the FCRA 's consumer protection guidelines.

Under the FCRA, particularly Section 1681e ( b ), credit reporting agencies are obligated to ensure the accuracy and completeness of the information they report. Additionally, per Section 1681i, I have the right to dispute any information that I believe is incorrect, outdated, or unverifiable. Based on my findings, the following items need to be investigated and removed due to the following violations : XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Last Activity Dates : The credit report contains information that is reporting incorrect " last activity '' dates, which violates the FCRA 's requirement to maintain accurate reporting. Specifically, the dates reported do not reflect the correct timeframes of the last payment or activity, which results in misleading information regarding the age of the account. This is in violation of Section 1681c, which limits the time period that certain negative information can remain on a credit report. 

Inaccurate Reporting of Items Meeting FCRA Requirements : There are instances where accounts have been reported as " meets FCRA requirements '' when in fact these accounts have violations from the FCRA. 

Incorrect Payment Statuses : I have noticed discrepancies regarding the payment status on several accounts, where payments are inaccurately marked as late, delinquent, or charged off despite evidence to the contrary. As per Section 1681c and Section 1681e ( b ), payment statuses must be accurately reported. Incorrectly reporting payment statuses not only affects my creditworthiness but also violates the FCRAs mandate to ensure accurate and fair reporting of consumer information.

Failure to Verify Information : Under Section 1681i ( a ) ( 1 ), the credit reporting agency is required to conduct a reasonable investigation into disputed information. Several items on my report were not properly verified or updated after I initiated prior disputes. This failure to verify and update is a violation of the FCRAs standards for conducting accurate and thorough investigations. 

Failure to Remove Fraudulent Information : Fraudulent accounts and items have been improperly reported on my credit file. As per Section 1681c-1, information resulting from fraud should not remain on a credit report once it is reported as a fraudulent transaction. I demand that any fraudulent items be thoroughly investigated, verified, and removed, as they have no place on my credit file.

Due to the aforementioned violations, I respectfully request that the following actions be taken : Removal of all inaccurate or outdated information from my credit report.

Full investigation into the failure to verify disputed items and fraudulent accounts.

Immediate removal of any fraudulent entries from my credit file. 
Please send me written confirmation of the resolution of this matter, along with a copy of my updated credit report reflecting the removal or correction of the disputed items. In accordance with the FCRA, I expect that you will complete your investigation and take action within XXXX business days as required by law. 
Thank you for your prompt attention to this matter. I trust that you will adhere to the FCRAs requirements and ensure my credit report accurately reflects my financial history.

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