Consumer complaint received 2025-04-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified\naccounts listed below that remain on my credit report in violation of 15 U.S.C.  1681. You are required under\nthe FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your\nfirst re-investigation, you stated in writing that you "verified" that these items are being "reported correctly".\nWhere are the documents that you used to verify these accounts? What is the name of the person\nin your company who verified these accounts? What documents did they use to verify them? Please\nprovide me with the name of that individual, their business address, and telephone number.\XXXX XXXX XXXX XXXX XXXX XXXX defines "Verify" as, 1) "To prove to be true; to confirm or\nestablish the truth or truthfulness of; to authenticate. 11 2) "to confirm. or substantiate by oath or\naffidavit; to swear to the truth of.11 and "Verification" as, "Confirmation of correctness, truth or\nauthenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of\nverification is to assure good faith in averments or statements of a party."\nWhat this means is that your company must be willing and able to produce a document in your files that\nproves the account(s) in dispute belong to me and the information being reported is accurate and you must be\nable to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the\ndocuments in your files that were used to verify the disputed accounts and to do this they must have 111 hand\nknowledge of the alleged account(s) and all that has ever transpired for the alleged account(s), under oath and\nunder the penalty of pe~ury.\nAs I am sure that you are well aware, current Federal case law states that, Consumer Reporting\nAgencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their\nresponsibility must consist of something more than merely parroting information received from other\nsources. The Courts have also ordered that a "Reinvestigation" that merely shifts the burden back to the\nconsumer and the credit grantor cannot fulfill the obligations imposed by 1681(a)(4).\nYou have ignored my request to provided me with the documents that you have in your files that you\nused to verify the disputed accounts which means that you have NOT verified or you cannot verify any of these\naccounts and under Section 611 (5)(A) of the FCRA- you are required to " ... promptly DELETE all\ninformation which cannot be verified."\nThe law is very clear as to the Civil liability and the remedy available to me for "negligent noncomplianceu\n(Section 617) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on\npursuing litigation in this matter to enforce my rights under the FCRA. I demand the following\naccounts be verified or deleted immediately.\nName of Account: Account Number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnOn removal of the above noted accounts please provide me with a copy of an updated and\ncorrected copy of my credit report showing that these accounts have been removed. Thanking\nyou in advance for your anticipated quick co-operation on this matter.\nThank you,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAttached: Copy of my Social Security Card & Drivers License is attached\nSent: USPS Certified Mail\nCOPY of SSN CARD\nCOPY OF ID CARD\n(Driver\'s License, Passport or\nState ID Card)'

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