Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
On XX/XX/year>, I submitted a dispute with Report Number : XXXX Stating XXXX ) XXXX XXXX XXXX ( # XXXX ) XXXX ) XXXX XXXX XXXX ( # XXXX ) To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureau reports only 100 % accurate credit information. Every step must be taken to ensure the information reports are completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act section 609 ( A ) ( 1 ) ( A ), You are required by federal law to verify, thorough the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.E. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. The following accounts are not mine. Please Remove I respectfully request to be provided proof of this alleged item, especially the contract, note or other instruments bearing my signature. 

Failure that, the item must be deleted from the reporting as soon as possible. The information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and the telephone number of each credit grantor or other subscriber.

Under the federal law, you have thirty ( 30 ) days to complete your investigation. Be advise that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation. 

In addition, please remove non-account holding inquiries over 30 days old. Also, please add a promotion suppression to my credit file.

Under federal law you have thirty ( 30 ) days to complete your re- investigation. Be advise that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank You,

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