Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
I am writing to formally dispute and request the immediate reinvestigation of inaccurate and incomplete information appearing in my credit file in Experian, Equifax, TransUnion. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of all disputed items and remove or correct any information that can not be verified as accurate and complete within 30 days. 

1. Personal Information Inaccuracies Your records currently contain incorrect variations of my name and outdated addresses. Please update my file to reflect my correct legal name and current address.

Please delete all other name variations and remove all outdated addresses not listed above. These variations are causing confusion and may be linked to accounts that do not belong to me.

2. Disputed Accounts I dispute the accuracy, validity, and completeness of the following accounts currently appearing in my credit report : XXXX. XXXX XXXX Charge-off Unverified reporting and inconsistent balance history. 
2. XXXX XXXX XXXX  ( XXXX ) Collection Lack of original creditor contract and payment history. 
3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Duplicate reporting of the same alleged debt as XXXX  XXXX XXXX 
4. Dept of Education/XXXX Multiple duplicate tradelines with {$0.00} balances and late payment history ; should be consolidated into a single accurate account. 
5. XXXX XXXX Charge-off Missing contractual evidence and payment documentation. 
6. XXXX XXXX Charge-off Unverified and lacking original creditor agreement. 
XXXX. XXXX  XXXX Charge-off Amount in dispute ; no contractual evidence provided. 
XXXX. XXXX XXXX XXXX Charge-off Inconsistent reporting and unverifiable payment history. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Missing proof of ownership and assignment of debt. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Duplicate and inconsistent reporting. 
XXXX. XXXX XXXX XXXX Charge-off Incomplete and unverifiable payment records. 

3. Legal Basis for Dispute Under the FCRA : * 15 U.S.C. 1681i ( a ) ( 1 ) You must reinvestigate disputed information and delete or correct it if it can not be verified.
* 15 U.S.C. 1681s-2 ( a ) Information furnishers must not report inaccurate information.

* 15 U.S.C. 1681c ( a ) Obsolete information must not be reported beyond the allowable time period. 
Unless you can provide verifiable documentation from the original creditor : including signed contracts, complete payment histories, and proof of account ownership. You must delete these accounts from my credit file. A simple statement that the account was verified is insufficient under the law. 

4. Requested Action Please complete your reinvestigation and send me written confirmation of the results within 30 days, as required by law. If you verify any of the accounts, provide me with the complete documentation from the original creditor that was used to verify the account.

Thank you for your prompt attention to this matter. I expect compliance with all applicable federal laws and look forward to receiving your response.

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