Consumer complaint received 2025-06-02 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 XXXXXXXX [ Todays Date ] To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL DISPUTE & DEMAND FOR IMMEDIATE DELETION FALSE COLLECTION ACCOUNT Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX To Whom It XXXX Concern : This letter is a formal notice of dispute and demand for immediate deletion of a fraudulent and inaccurate collection account reported by XXXX XXXX XXXX XXXX XXXX and displayed on my Experian credit report. 

I have no knowledge whatsoever of this alleged debt. Additionally, this account wrongly lists a joint owner, whose name I do not recognize and with whom I have never had any relationship, financial or otherwise. I have never authorized, co-signed, or been involved with this individual in any way. 

This account also reflects an address and location that are completely unfamiliar and false. I have never resided in the city or at the address associated with this entry. 

Let me be clear : My only legal name is : XXXX XXXX XXXX My only legal and current address is : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX The presence of this incorrect and unverifiable information constitutes a direct violation of multiple consumer protection laws, including : FCRA ( 15 U.S. Code 1681i ) which mandates that all information on a consumer report must be accurate and verifiable. 

FDCPA ( 15 U.S. Code 1692e ) which prohibits debt collectors from using any false, deceptive, or misleading representations in connection with the collection of any debt. 

I am demanding the following : Experian must immediately remove this account and all associated false information from my credit report. 

XXXX XXXX XXXX must cease all reporting and collection activities, and provide full validation, including documentation bearing my signature and the correct addressnone of which exist because this debt is not mine. 

All incorrect personal information, including the false joint owner and any incorrect address, must be deleted from my consumer file. 

If this inaccurate account is not completely deleted within 30 days, I will file formal complaints with the CFPB, FTC, and the Florida Attorney Generals Office. I will also consult legal counsel to initiate action under the FCRA and FDCPA for willful and negligent noncompliance, including potential claims for damages due to inaccurate reporting. 

I am including the following for identity verification : A copy of my government-issued photo ID A recent utility bill showing my current address You are now legally on notice. This is your opportunity to correct this matter before formal action is taken. 

Govern yourselves accordingly. 

Sincerely, XXXX 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