Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
Complaint Summary : On or around XX/XX/XXXX, I sent certified dispute letters to Experian disputing multiple accounts on my credit report that are inaccurate, unverifiable, re-aged, or duplicated. As of todaymore than 30 days laterExperian has failed to provide lawful responses, correct these errors, or offer a valid XXXX of XXXX ( MOV ). 

Instead, the XX/XX/XXXX Experian report still includes the same accounts, some of which have been modified with new delinquency dates ( re-aged ), while others were never verified within the required timeframe under FCRA 611. 

Accounts in Violation ( partial list ) : XXXX XXXX Acct # : XXXX XXXX XXXX  Acct # : XXXX XXXX  XXXX Acct # : XXXX XXXX XXXX XXXX  Acct # : XXXX XXXX XXXX  Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX  Acct # : XXXX XXXX  / XXXX XXXX Acct # : XXXX XXXX XXXX XXXX. Acct # : XXXX XXXX XXXX XXXXXXXX / XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # : XXXX ( XXXX XXXX  ) : {$2900.00}, {$1900.00}, {$1000.00}, {$940.00}, {$880.00}, {$560.00} These accounts were : Not verified within 30 days of my initial dispute Re-aged with new last activity dates to appear more recent Inaccurately reported across multiple tradelines or bureaus Left on file despite no supporting documentation FCRA Violations by Experian : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to complete reinvestigation within 30 days FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete unverifiable items FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide Method of Verification upon request FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 623 ( a ) ( 2 ) ( A ) : Re-aging of accounts without proper documentation FCRA 623 ( b ) ( 1 ) ( D ) : Reporting new negative information during an open dispute Resolution Requested : Immediate deletion of all accounts that were re-aged, unverifiable, inaccurate, or duplicated A full written Method of Verification ( MOV ) for any items Experian claims to have verified A corrected copy of my Experian credit report with all removals applied Written assurance that no deleted items will be reinserted unless verified in full compliance with FCRA 611 ( a ) ( 5 ) ( B ) If unresolved, I will pursue damages for willful and negligent noncompliance under FCRA 616617, and escalate to the FTC, Attorney General, and seek legal representation Attachments Provided : Certified dispute letter sent to Experian Screenshots of delivery confirmation exceeding 30 days Before-and-after credit report screenshots Copy of my photo ID and Social Security card Consumer XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL 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