Consumer complaint received 2025-05-11 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on Credit Report Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) To Whom It May Concern : I am writing to formally dispute certain inaccurate information currently being reported on my credit file. This letter serves as a request for immediate investigation and correction of the erroneous items, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ), which requires that credit reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. 
15 U.S.C. 1681i ( a ), which mandates that a consumer reporting agency must conduct a reasonable reinvestigation if a consumer disputes the accuracy or completeness of any item of information. 
The following items on my credit report are inaccurate or incomplete : 1. XXXX XXXX XXXX XXXX [ Account Number : XXXX ] Dispute Reason : The personal information on this debt is inaccurate. The name on the debt is not correct, neither is the address or contact information. 
2. XXXX  [ Account Number XXXX XXXX ] Dispute Reason : This account was paid in full XX/XX/XXXX and then closed. The personal information on this debt is inaccurate. The name on the debt is not correct, neither is the address or contact information. 
3. XXXX XXXX [ Account Number : XXXX ] Dispute Reason : The personal information on this debt is inaccurate. The name on the debt is not correct, neither is the address or contact information. 
4. XXXXXXXX XXXX XXXXXXXX [ Account Number : XXXX ] Dispute Reason : This account was paid in full XX/XX/XXXX and then closed. The personal information on this debt is inaccurate. The name on the debt is not correct, neither is the address or contact information. 
5. XXXX XXXX [ Account Number : XXXX ] Dispute Reason : This account was paid in full XX/XX/XXXX and then closed. The personal information on this debt is inaccurate. The name on the debt is not correct, neither is the address or contact information. 
6. XXXX XXXX [ Account XXXX ] Dispute Reason : The personal information on this debt is inaccurate. The name on the debt is not correct, neither is the address or contact information. I have never had an account with Contract Callers, therefore this is not my debt. 
7. XXXXXXXX XXXX XXXXXXXX [ Account Number : XXXX ] Dispute Reason : The personal information on this debt is inaccurate. The name on the debt is not correct, neither is the address or contact information. 
8. XXXX XXXX XXXX XXXX [ Account Number : XXXX ] Dispute Reason : The personal information on this debt is inaccurate. The name on the debt is not correct, neither is the address or contact information. I have never had an account with XXXX XXXX XXXXXXXX XXXX 9. XXXX XXXX [ Account Number : XXXX ] Dispute Reason : The personal information on this debt is inaccurate. The name on the debt is not correct, neither is the address or contact information. 
10. XXXX XXXX XXXX [ Account Number : XXXX ] Dispute Reason : The personal information on this debt is inaccurate. The name on the debt is not correct, neither is the address or contact information. I have never had an account opened with XXXX XXXX XXXX, therefore this debt does not belong to me. 
11. XXXX XXXX XXXX [ Account Number : XXXX ] Dispute Reason : The personal information on this debt is inaccurate. The name on the debt is not correct, neither is the address or contact information. I have never had an account with XXXX XXXX XXXX, therefore this debt does not belong to me. 
12. XXXX XXXX XXXX [ Account Number : XXXX ] Dispute Reason : The personal information on this debt is inaccurate. The name on the debt is not correct, neither is the address or contact information. I have never opened an account with XXXX XXXX XXXX, therefore this debt does not belong to me. 
13. XXXX [ Hard Inquiry Dated : XX/XX/XXXX ] Dispute Reason : The personal information on this debt is inaccurate. The name on the debt is not correct, neither is the address or contact information. This debt was in the name of XXXX XXXX XXXX XXXX XXXX and was not applied for by me personally but through a business account, therefore this debt does not belong to me. 
I am requesting that these items be investigated and either verified or deleted from my credit file. Please complete the reinvestigation within the 30-day period required by law. If the items can not be verified, they must be deleted pursuant to the FCRA. 
Enclosed are copies of my current Drivers License, Social Security Card and proof of residence as supporting documentation relevant to my dispute. 
Please send me a written statement of the results of your investigation, as well as a free copy of my updated credit report reflecting the changes. 
Thank you for your prompt attention to this matter.

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