Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX | XXXX : XX/XX/XXXX | SSN ( last XXXX ) : XXXX Number : XXXX To Whom It May Concern : I am writing to dispute and correct personal identifying information and structural issues in my Experian credit file pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

Your file must be accurate, complete, and verifiable. At this time, my Experian report contains identity information and potential stru
ctural inconsistencies that may not match my current, correct legal information and may be causing or contributing to inaccurate reporting. 
I have enclosed a clear copy of my South Carolina commercial drivers license and a recent proof of address to assist you in accurately matching and updating my file. 
1. Legal Name Correct and Standardize Correct legal name ( per my government ID ) : XXXX XXXX XXXX If my Experian report shows any other variations, misspellings, or truncated forms of my name, those entries are not my full, accurate legal name and may cause mixed-file issues or improper association of accounts.

Request : 1. Update my Experian file so that my name is reported as only : XXXX XXXX XXXX 2. Remove all other name variations, misspellings, and truncated forms that are not an exact match to my legal name as it appears on my identification. 
Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), Experian must follow reasonable procedures to assure maximum possible accuracy. Leaving incorrect or incomplete name variations on my file does not meet this standard.

2. Address Verify, Correct, and Remove Unverifiable/Incorrect Entries My current and correct residential and mailing address, as reflected on my XXXX XXXX XXXXXXXX XXXX license and current bills, is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : 1. Retain and clearly designate only those addresses you can fully verify as accurately belonging to me, specifically my current address listed above. 
2. Remove any address ( es ) that can not be fully verified as my own or that are outdated and no longer necessary for accurate credit reporting. 
3. Telephone Numbers Remove Old or Inaccurate Numbers Request : Please delete any telephone numbers that you can not verify as current and accurate for me, pursuant to the accuracy obligations in FCRA 607 ( b ).

4. Employment Information Keep Only Current, Accurate Employer Data My current employment is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request : Remove any inaccurate, unverifiable, or outdated employment entries from my file. 
If you choose to retain any employer information, it must be current and accurately verified as my employer ( XXXX XXXX, XXXX ) ; otherwise, it must be deleted under FCRA 607 ( b ). 
XXXX. XXXX XXXX XXXX, Completeness, and DOFD Data Request : 1. Conduct a full reinvestigation of my file under FCRA 611 ( a ) to ensure that all reported tradelines have : A properly documented Date of First Delinquency ( DOFD ), Consistent and complete dates ( Opened, Last Payment, Date Reported, Closed, etc. ), Accurate balances, past-due amounts, and status codes, Metro 2-compliant coding, comments, and remarks.

2. Delete or correct any account or data field that is : Inaccurate Incomplete Inconsistent Unverifiable 6. Request for Full File Disclosure & Method of Verification Request : 1. A complete, updated copy of my Experian file after this reinvestigation, including : All tradelines and their DOFD, All inquiry information, All personal identifying information you retain on file. 
2. A detailed explanation of your method of verification for : The personal identifying information you have chosen to retain ; Any tradelines that were the subject of this dispute and that you continue to report. 
If you verify any disputed information as accurate, please provide : The name, address, and phone number of each furnisher you contacted, The date and nature of the verification, and A copy or description of the documentation received.

7. Action Requested Within the time allowed under the FCRA ( generally 30 days from your receipt of this dispute ), please : 1. Correct my personal identifying information so it matches my legal name and accurate address as stated above.

2. Delete any inaccurate, unverifiable, or unnecessary name, address, phone, and employment entries.

3. Reinvestigate the structural integrity of my fileespecially DOFD and status coding for derogatory accountsand delete any information that can not be fully verified.

4. Send me : Written confirmation of all changes made, A complete updated credit report, and A description of your method of verification for any items you verified as accurate. 
All rights are expressly reserved. 
Sincerely, 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 XXXX XXXX XXXX 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