Consumer complaint received 2025-06-08 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: TN

Complaint narrative:
XX/XX/year> and XX/XX/year> I sent a letter to the credit bureaus Demanding that the inaccurate information be deleted from my credit report, and they never deleted it or updated the information. here I have attached a FTC report with the information that needs to be deleted, which is kick off lending and I think financial. 



XX/XX/year> * * RE : Formal Demand for Deletion of Inaccurate Account and Late Payment Reporting * * * * Account Name : * * [ XXXX XXXX ] Account Name : * * [ XXXX XXXX ] To Whom It XXXX Concern, This letter serves as a * * formal demand * * for the immediate * * removal of the above-referenced account and any associated late payments * * from my credit report. I have disputed this inaccurate information multiple times, and your responses have claimed that the account has been " verified. '' That response is both unacceptable and in violation of my rights under federal law. 

Let me be clear : - This account * * does not belong to me * *. 
- I have never opened, authorized, or acknowledged this account. 
- You have * * not provided any evidence * * of a contractual relationship between myself and this creditor. 

Under the * * Fair Credit Reporting Act ( FCRA ) Section 611 * *, you are * * required * * to conduct a reasonable reinvestigation of any disputed information and * * delete or correct any item that is inaccurate, incomplete, or can not be verified * *. 

To date, you have failed to comply with this obligation. 

Additionally, I am demanding the following under * * FCRA 611 ( a ) ( 7 ) * * : 1. A complete description of the method of verification used.

2. A copy of all documents you relied on during the reinvestigation including any documentation bearing my * * wet signature * *.

3. The name, address, and phone number of each furnisher contacted during your investigation. 

If you can not provide * * verified and signed documentation * * proving that this account is legally mine, you are * * legally required to delete the account * * and all associated late payments immediately. Failure to do so is a direct violation of my rights under the * * FCRA * * and could result in legal action. 

You are hereby notified that if this inaccurate information is not deleted from all three of my credit reports within * * 15 business days * *, I will escalate this matter by : - Filing a complaint with the * * Consumer Financial Protection Bureau ( CFPB ) * * - Filing complaints with my * * State Attorney Generals Office and the FTC * * - Exploring * * legal action for willful noncompliance * * under * * FCRA 616 and 617 * *, where I may seek actual and punitive damages This letter is being sent via * * certified mail with return receipt * * to document your receipt. I expect written confirmation of the deletion within the timeframe specified above.

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