Consumer complaint received 2025-03-03 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: VA

Complaint narrative:
I XXXX XXXX XXXX am reaching out to follow up on my prior disputes that was sent last month concerning the inaccurate, incomplete, unauthorized, and/or fraudulent accounts and personal information listed in my credit report. Despite having formally disputed these inaccuracies, I am disheartened to find that they remain unresolved. Consequently, I am demanding the immediate removal of these accounts and personal information listed below from my credit profile asap. Also please send me all the copies of documents and information that you used to validate these accounts. 

Accounts : XXXX Account # : XXXX Date Open : XX/XX/year> Balance : {$7100.00} XXXX Account # : XXXX Date Open : XX/XX/year> Balance : {$960.00} XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/year> Balance : {$14000.00} XXXXXXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/year> Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Date Open : XX/XX/year> Balance : {$10000.00} XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/year> Balance : {$20000.00} XXXX XXXX  XXXX Account # : XXXX Date Open : XX/XX/year> Balance : {$5200.00} XXXX XXXX  Account # : XXXX Date Open : XX/XX/year> Balance : {$1000.00} XXXX XXXX Account XXXX : XXXX Date Open : XX/XX/year> Balance : {$14000.00} XXXX XXXX Account XXXX : XXXX Date Open : XX/XX/year> Balance : {$20000.00} XXXX Account # : XXXX Date Open : XX/XX/year> Balance : {$7100.00} XXXX Account # : XXXX Date Open : XX/XX/year> Balance : {$960.00} XXXX XXXX  XXXX Account # : XXXX Date Open : XX/XX/year> Balance : {$1000.00} These inaccurate, incomplete, unauthorized, and/or fraudulent discrepancies in my credit report violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically the following sections : - Failure to Forward Disputes ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ) : My previous disputes were not forwarded to the relevant furnishers as required by law. This oversight warrants the immediate deletion of these associated accounts from my credit history. 
- Failure to Conduct a Reasonable Reinvestigation and Provide Furnishers with All Relevant Information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( 2 ) ) : It appears a reasonable reinvestigation has not been conducted regarding my disputes, and furnishers were not provided with the necessary information. This lack of action further reinforces my demand for the prompt deletion of these accounts.

- Failure to Delete Inaccurate, Incomplete, or Unverified Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : The accounts in question have not been removed despite being inaccurate and unverifiable. Their continued presence in my report must be addressed immediately.

- Failure to Provide Notice of the Results of the Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ) : Experian send a letter in response to my dispute that failed to disclose the results of the reinvestigation and the letter was contradictory results that are incomplete and or are unintelligible.

- Failure to Maintain Reasonable Procedures to Prevent Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), ( C ) ) : I have reason to believe that previously deleted information has been improperly reinserted into my report. I expect immediate action to rectify this issue. 
- Failure to Implement Reasonable Procedures to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The inaccuracies in my report conflict with FCRA standards for accuracy, damaging my credit reputation. I insist that these erroneous accounts be deleted without delay.

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