Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
b'Name: XXXX XXXX \nAddress Line: XXXX XXXX XXXX XXXX NJ XXXX  \nDocument Date: XX/XX/XXXX\nSubject: REQUEST LETTER TO REMOVE INACCURATE INFORMATION \nPlease accept this formal letter as my first request to investigate and remove derogatory \naccounts/items from my consumer report. Going over my report, I have found it has errors. It \nhas come to my attention that you are reporting what I believe to be inaccurate data, which I \ndispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 \nU.S.C. $ 1681a(f), you are governed by the Fair Credit Reporting Act (\'FCRA"). 15 U.S.C.  \n1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information \nreporting of their consumer file. The FCRA states that it\'s the consumer reporting agency\'s \nresponsibility to ensure that all information contained within consumer files is accurate and free \nfrom errors. Your company is regularly engaged in the business of assembling, evaluating, and \ndisbursing information concerning consumers for the purpose of furnishing consumer reports, as \ndefined in 15 U.S.C. $ 1681(d), to third parties. \nAccording to federal law, you are required to comply with the requirements imposed under the \nFCRA, 15 U.S.C.  1681 et seq., including but not limited to: \n1)follow reasonable procedures to assure \nmaximum possible accuracy of the information in the \nconsumer report, as required by 15 U.S.C.  1681e(b). This section imposes a high and often \ndisregarded standard on consumer reporting agencies. See, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX) (breaking down the requirements of  \n1681e(b), and explaining that "assure\' means \'to make sure or certain: put beyond all doubt," \n\'[maximum\' means the \'greatest in quantity or highest degree attainable[,]\' and \'possible\' means \nsomething falling within the bounds of what may be done, occur or be conceived." (quoting \nWebster\'s Third New International Dictionary 133, 1396, 1771 (XXXX));  \n2) comply with the investigation requirements, as required by 15 U.S.C.  1681i; \n3) should not provide consumer files to companies without determining that these companies \nhad a permissible purpose to obtain consumer files pursuant to 15 U.S.C.  1681b; \n4) provide consumer file pursuant to 15 U.S.C.  1681g; 5) et seq. \nAccordingly, I request your company to provide verifiable documentary proof (e.g., original \nconsumer contract or similar proof bearing my wet ink signature on it) you have on file of \naccounts/items listed below. Under the FCRA, if you do not provide documented and verifiable \nproof, you must remove all unverified, invalid, derogatory information from my consumer report. \nFor your convenience, I am sending you a list of the items you need to verify them. These listed \naccounts \nare neither my debts nor my authorized inquiries. Please correct this by the removal of these \nitems from my consumer report. See. Exhibit XXXX. \nUpon completion of your investigation, please send a detailed description of the procedures \nused to determine the accuracy of the accounts/items 1 am disputing, as well as the name and \ncontact information of the agent conducting the said investigation in case further communication \nis necessary. \nI know that your company will need some sort of verification to prove my identity. My information \nis clearly shown below: \nFULL NAME: XXXX XXXX \nSOCIAL SECURITY NUMBER: XXXX \nDATE OF BIRTH: XXXX \nADDRESS: XXXX XXXX XXXX XXXX  NJ XXXX \nPHONE NUMBER: XXXX XXXX XXXX  \nEMAIL: 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