Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Formal Request for Removal of Unverified and Inaccurate Information Dear Experian, XXXX XXXX XXXX, I am writing to formally dispute multiple inaccuracies in my credit report and to request immediate corrective action. In addition to the unverified account information reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, there are significant errors in my personal information, which I require to be corrected promptly. 

Unverified Accounts : For the past year, I have submitted multiple disputes regarding the accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These banks have failed to comply with the Fair Credit Reporting Act ( FCRA ) by not providing documentation of the investigations conducted, the identity of the investigators, or how the reported information was verified. Representatives from all three banks have explicitly stated that they do not possess any information to verify the accuracy of these accounts. 

Despite this, the banks have refused to delete the unverifiable information, citing the settlement of these accounts with third-party collection agencies. Under the FCRA, furnishers and credit reporting agencies are required to remove unverifiable information promptly. Specifically, the violations include : 1. Failure to Conduct a Reasonable Investigation ( FCRA Section 611 ).

2. Failure to Provide Verification ( FCRA Section 623 ).

3. Failure to Remove Unverified Information ( FCRA Section 611 ( a ) ( 5 ) ).

The presence of these inaccuracies has had a detrimental impact on my credit score, affecting my ability to maintain my federal job, secure housing, and make financial decisions. I am requesting that all unverified information related to these accounts be immediately removed.

Inaccurate Personal Information : 1. Incorrect Names : My credit report is inaccurately reflecting other names that are not mine. My only legal name is XXXX XXXX XXXX XXXX, as shown on my drivers license. I am requesting the immediate removal of all other names currently being reported on my credit file. 
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5. Provide written confirmation of all corrections within 30 days. 

Attached to this letter are supporting documents, including a copy of my drivers license, proof of address, and correspondence with the three banks regarding the unverified accounts. 

Thank you for your attention to these matters. Please confirm in writing that these corrections have been made and provide me with an updated copy of my credit report. I trust that you will handle these issues with urgency and in full compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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