Consumer complaint received 2025-03-16 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: GA

Complaint narrative:
This is my second written request regarding the unresolved issues on my credit report. The items listed below remain in my report in violation of federal law, specifically the Fair Credit Reporting Act ( FCRA ). Under the FCRA, you are required to have documentation from the original creditors on file to verify that this information is mine and accurate. 

In your initial investigation, you stated that you " verified '' these items are being " reported correctly. '' I request clarification on who verified these accounts. Additionally, you have not provided me with any of the original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA, which requires that you provide a copy of any consumer contract bearing my signature. Under Section 611 ( 5 ) ( A ), the FCRA mandates that you promptly delete all information that can not be verified. 

This situation constitutes a violation of the FCRA, 15 USC 1681, 15 USC 6801/6802 ( b ), and 15 USC 1666 ( b ). Specifically, I am disputing incorrect address information, inaccurate late payments, and charge-off accounts that do not belong to me. 

The law is clear regarding civil liability and available remedies for negligent noncompliance ( Section 617 ). If you fail to comply with these requirements, I am prepared to pursue litigation to enforce my rights under the FCRA. 
Disputed Information : 1. Incorrect Addresses : My credit report currently lists the following addresses that do not belong to me : o 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  2. Late Payments : My credit report incorrectly lists late payments for accounts where I have never made a late payment : o 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 3. Charge-Off Accounts : My credit report incorrectly lists an account that does not belong to me : o XXXX XXXX XXXX XXXX XXXX This letter is to address the inaccurate information on my credit report, which I believe is the result of identity theft and is significantly harming my credit score. I request that you promptly investigate these discrepancies and remove all incorrect address information, closed accounts showing recent activity, and disputed late payments from my credit report. 

This serves as a formal request for an investigation and correction of these inaccuracies under Section 1681i of the Fair Credit Reporting Act ( FCRA ). As mandated by the FCRA, I expect you to re-verify each item and remove any inaccuracies from my report. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from the receipt of this letter to re-verify these entries. If you fail to do so within the required time frame, these items must be removed from my credit report. Additionally, according to Section 1681i ( d ), I request that you notify me once these items have been deleted. Also, per Section 1681j, there should be no charge for providing a corrected copy of my report or notifying me of these changes. 

Lastly, please provide me with the names and contact details of all individuals or entities you have contacted regarding these disputes so that I may follow up directly if necessary. 

Thank you for your prompt attention to this matter. I expect your response and resolution without delay. 
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