Consumer complaint received 2025-03-09 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: TN

Complaint narrative:
Several letters has been sent regarding account that is not in my name XXXX XXXX but is reporting on my report. I have attached bill statement from company. 

I am writing to formally dispute the charge-off account listed below, as it remains inaccurate, not me and unverifiable on my credit report. This is my third dispute regarding this matter, and I demand that it be properly investigated and corrected under my rights granted by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Creditor/Collection Agency : XXXX XXXX Account Number : XXXX Legal Violations & Grounds for My Dispute XXXX. Failure to Verify Accuracy FCRA 611 ( 15 U.S.C. 1681i ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you must conduct a reasonable reinvestigation within 30 days of receiving my dispute. 
I demand verifiable proof, such as a signed original contract and full account payment history. If you can not provide this documentation, the charge-off must be removed immediately. 
XXXX. Unverified or Incorrect Reporting FCRA 623 ( 15 U.S.C. 1681s-2 ) Under 15 U.S.C. 1681s-2 ( b ), data furnishers must only report accurate and verifiable information. 
If the original creditor has sold this debt, they are legally prohibited from continuing to report it as a charge-off. 
If the account has been paid, settled, or is inaccurate in any way, failure to update this information is a violation of federal law. 
XXXX. Misleading or Deceptive Reporting FDCPA 807 ( 15 U.S.C. 1692e ) Reporting an account inaccurately or failing to verify its legitimacy is considered false or misleading information under federal law. 
If this charge-off has been re-aged or the date of first delinquency has been misreported, it is a violation of FCRA 605 ( a ) and must be corrected immediately. 


Enclosures : I have enclosed supporting documentation stating that this account is not mine and is not listed as XXXX XXXX. 

My Demands & Next Steps If you can not verify the accuracy of this charge-off, you must delete it immediately per FCRA 611. 
Provide a detailed explanation of the reinvestigation, including the documentation received from the data furnisher. 
If you fail to remove or properly verify this account, I will file complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office Furthermore, I reserve the right to seek legal action under FCRA 616 and 617, which allows consumers to recover damages for willful noncompliance. I expect a resolution and written confirmation within 30 days. Please send me an updated credit report. 

Sincerely, XXXX XXXX I did not authorize these hard inquiries. 

Remove all hard inquires as well XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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