Consumer complaint received 2025-08-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX : XX/XX/XXXX Date : XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Formal Dispute of Inaccurate, Unverifiable, and Incomplete Credit Information under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : This letter serves as a formal demand, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute and demand deletion of inaccurate, incomplete, and/or unverifiable information currently being reported on my Experian credit file. 

Accounts in Dispute : XXXX. Source Receivables XXXX XXXX XXXX XXXX Acct XXXX XXXX Reported as an active collection account with a balance of {$530.00}. 
Violation : This account is unverified and unverifiable. Under FCRA 611 ( 15 U.S.C. 1681i ), Experian must conduct a reasonable reinvestigation and provide the method of verification. No original signed contract or assignment of debt has been provided.

Further, under FCRA 609 ( 15 U.S.C. 1681g ), I demand disclosure of the original documentation bearing my signature proving liability. Failure to provide constitutes grounds for permanent deletion.

Any continued reporting of this account without proper verification constitutes willful noncompliance under FCRA 616617 and misrepresentation under FDCPA 807 ( 15 U.S.C. 1692e ). 
XXXX. XXXX XXXX XXXX XXXX XXXX  Secured Card Acct # XXXX Reported with a {$140.00} written off and marked as a charge-off, though also reported as Paid, Closed. 
This is inconsistent, inaccurate, and misleading, in direct violation of FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ), which requires furnishers to report information with maximum accuracy. 
A closed account can not simultaneously remain reported as an active charge-off. This item must be corrected or permanently deleted. 
XXXX. XXXX XXXX XXXX XXXX XXXX Loan Accounts ( # XXXX, # XXXX ) These accounts show multiple late payments ( 30150 days ) despite being paid and closed. 
The reporting is incomplete and misleading under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), as no proof of delinquency has been provided.

I demand full verification, including original signed agreements, payment history, and accounting records. If Experian can not obtain such records, these negative marks must be deleted immediately.

Legal Demand : Under FCRA 611 ( a ) ( 1 ) ( A ), you have 30 days to complete a reasonable reinvestigation and either verify the disputed accounts with competent evidence or delete them. 
If these items can not be fully verified with original source documentation, they must be permanently deleted from my credit file. 
Continued reporting of inaccurate or unverifiable information exposes Experian to liability under FCRA 616617 for willful and negligent noncompliance, entitling me to actual damages, statutory damages up to {$1000.00} per violation, court costs, and attorneys fees.

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