Consumer complaint received 2025-05-24 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 submitting this formal complaint due to serious and repeated violations of the Fair Credit Reporting Act ( FCRA ) by a consumer reporting agency that has failed to properly handle my dispute and correct inaccurate information. 

After reviewing my credit report obtained from XXXX, I discovered multiple inaccuracies, unauthorized inquiries, and outdated personal information that have yet to be addressed, despite my valid dispute. In accordance with 15 U.S.C. 1681i ( a ), I requested : A full and reasonable reinvestigation, A complete consumer file disclosure ( under 15 U.S.C. 1681e ( b ), 1681g, and 1681i ), and A detailed method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). 

I submitted all necessary identifying documentation to support my request, and I explicitly stated this was a valid, specific, and personally filed dispute. However, I have yet to receive a compliant response or any corrective action. 

Disputed Items : Inaccurate Personal Information : Account incorrectly associated with Also Known As : XXXX XXXX XXXX  Unauthorized Inquiries The following hard inquiries were not authorized by me and should be removed : 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 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are inaccurate, outdated, or unverifiable, and under 15 U.S.C. 1681i ( a ) ( 5 ), they must be corrected or deleted if not verified with reasonable procedures.

Legal Grounds for Complaint : The credit reporting agency has failed to meet its responsibilities under : 15 U.S.C. 1681e ( b ) Ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) Conduct a good-faith, reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) Provide the method of verification upon request 15 U.S.C. 1681g Provide full consumer file disclosure My Requests : Immediate removal or correction of all disputed, inaccurate, or unverifiable items Method of verification details, including : The investigation procedure used Names and contact information of data furnishers Any documentation relied on My full consumer file, including : All information in my file A list of soft and hard inquiries with details All certifications from third parties who accessed my report Update of personal information to reflect only the following accurate data : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last Four of SSN : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX All outdated names, incorrect SSN digits, previous addresses, and employers should be deleted. 

Response Deadlines : 30 days to complete the reinvestigation per 15 U.S.C. 1681i ( a ) 15 days to respond to the method of verification request under 15 U.S.C. 1681i ( a ) ( 7 ) Please note : I do not consent to communication by phone or email. All responses should be made by mail only. 

If these violations are not resolved promptly, I will pursue legal remedies and file additional complaints with the FTC, State Attorney General, and other consumer protection bodies. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX

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