Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Subject : Formal Dispute and Demand for Immediate Removal of Inaccurate and Fraudulent Information under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute several items on my XXXX, Experian, and XXXX credit report that are inaccurate, incomplete, and/or fraudulent. This letter is a demand for immediate removal of this information in compliance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

XXXX. Incorrect Addresses and Employment Information : My correct address is : XXXX XXXX XXXX XXXX, SC XXXX My correct employment is : - Select Rehabilitation - Intentional Church Experian is currently reporting the following incorrect addresses : - XXXX XXXX XXXX, XXXX DC XXXX - XXXX XXXX XXXX XXXX XXXX GA XXXX These addresses are inaccurate and must be removed from my credit file immediately. 

XXXX. Fraudulent and Inaccurate Accounts : The following accounts are not mine and are fraudulent : - XXXX XXXX XXXX Account # XXXX ( Foreclosure ) : I have never had a mortgage loan with this company. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, {$1600.00} : This account is not mine. 
- XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX, {$510.00} : This account is not mine. This account was already included my police report. Since the report was made it was sold to XXXX XXXX. 
- XXXX XXXX XXXX  Account # XXXX, {$7800.00} : After contacting this bank, I was informed that I am listed as an authorized user on this account. I have never used this bank and this my account isnt mine XXXX. Proof of Identity and Residency : I have contacted XXXX to validate that Experian, XXXX, and XXXX have each received a valid police report, an FTC Identity Theft Report, and proof of residency, including my drivers license and a utility bill. This documentation clearly demonstrates that I have never lived at the address associated with the above mortgage or any other fraudulent accounts. My proof of residency establishes my address at XXXX XXXX XXXX, XXXX, SC XXXX since XXXX. 

XXXX. Adequate Substantiation Provided : I have provided adequate information and documentation to substantiate the removal of all inaccurate and fraudulent accounts and personal information from my credit file. The evidence submitted is sufficient to demonstrate that these accounts and addresses are not associated with me. 

XXXX. Request for Proof of Investigation : If you continue to report these accounts or addresses as accurate, I formally request that you provide detailed documentation and proof of how you have investigated these disputed items and determined their accuracy. Under the FCRA, you are required to conduct a reasonable investigation and I am entitled to know the method, results, and sources of your investigation ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) ). 
FCRA XXXX and Demand for Immediate Action Under the FCRA, you are required to conduct a reasonable investigation of any disputed information ( XXXX U.S.C. XXXX ). If you can not verify the accuracy of these items, you must delete them from my credit report within XXXX days of receipt of this letter. 

I demand that Experian : XXXX. Remove all inaccurate addresses and employment information from my credit report. 
XXXX. Delete and block all fraudulent and unauthorized accounts listed above. 
XXXX. Provide written confirmation that these items have been removed and that my credit report has been corrected. 

If you fail to comply, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I also reserve the right to pursue legal action for willful noncompliance under XXXX XXXX. XXXX and for negligent noncompliance under XXXX XXXX. XXXX. 

Please send me written confirmation of your actions within XXXX days. 

Sincerely, 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