Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information appearing on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). I have identified the following accounts that are reporting inaccurately : XXXX  - Credit Card Account Number : XXXX XXXX XXXX  - Credit Card Account Number : XXXX ( Delinquent Status ) XXXX  - Line of Credit Account Number : XXXX ( Collection Status ) The information reported by XXXX regarding these accounts is incomplete and inaccurate. Under the FCRA, I have the right to accurate reporting of my credit information, and any information that can not be verified must be corrected or removed from my credit report. Specifically : Violation of the Fair Credit Reporting Act ( FCRA ) : According to Section 609 and Section 611 of the FCRA ( 15 U.S. Code 1681i ), if information in a credit report is found to be inaccurate or incomplete, the credit reporting agency is obligated to delete or correct the disputed information promptly. The burden of proof lies with the credit reporting agency to ensure the accuracy of any item placed on a consumer 's report.

FCRA Section 623 ( a ) ( 1 ) ( B ) - Information Provided to Credit Reporting Agencies : This section holds that furnishers of information to credit reporting agencies must not provide inaccurate information and must promptly correct and update any previously provided inaccurate information. As the data on these accounts is inaccurate, it must be removed or corrected immediately. 
Case Precedents Where XXXX Was Sued : XXXX has previously been involved in several cases where failure to correct inaccurate reporting has resulted in legal action. Notably, in XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court ruled against XXXX for failing to ensure accurate information was reported on credit reports, highlighting the consumer 's right to sue for damages under the FCRA. My case similarly involves the failure to ensure accurate and complete reporting of accounts on my credit report. 
Removal of Fraudulent Accounts : Under the FCRA, Section 605B ( 15 U.S. Code 1681c-2 ), fraudulent information that can not be verified must be removed from the consumers file within 30 days of a dispute. I demand that the inaccurate and incomplete information regarding these accounts be corrected or removed immediately. 
I request that XXXX investigate these matters, verify the accuracy of the accounts, and take the necessary actions to correct or remove the disputed items. If XXXX is unable to verify the accuracy of these accounts, I expect them to be removed immediately, as required by law. 
Please be advised that I am CC'ing this letter to both the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office. I expect this matter to be resolved promptly, and I look forward to your response within 30 days as required under FCRA guidelines

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