Consumer complaint received 2025-05-19 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: NV

Complaint narrative:
This letter is a formal demand for validation and comprehensive verification of certain entries on my credit report that appear inaccurate and have not been properly substantiated. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines to request full validation of these accounts or, failing such validation, their immediate deletion from my report. 

I previously disputed these accounts as fraudulent, as they were opened without my authorization. I am a documented victim of identity theft, and these accounts were not opened by me. However, despite my prior communications, these items continue to appear on my report, which negatively affects my creditworthiness and financial stability. 

Validation Requirements Under the FCRA, specifically 15 U.S.C. 1681s-2, credit reporting agencies and information furnishers are required to maintain accurate reporting and ensure the information provided is substantiated. According to sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ), reporting entities are prohibited from supplying information they know or should reasonably know to be inaccurate. Further, 623 ( a ) ( 1 ) ( B ) mandates that furnishers of information must cease reporting if they receive notice of inaccuracy from the consumer, which I have already provided.

To comply with these legal requirements, I demand that you immediately provide the following : 1. Method of Verification A full, detailed description of the verification process you followed to confirm the validity of each disputed item. This description should include : The identity and contact information of each individual or department consulted during the verification.

Any documents or records reviewed in the course of verification, such as account records, statements, or billing information. 
2. Proof of Contractual Obligation Certified copies of the original signed agreements or contracts that allegedly bear my signature, binding me to these accounts. This documentation must unequivocally demonstrate that I am the party responsible for the debts and that I entered into these agreements with the original creditors.

3. Complete Payment and Transaction History A comprehensive record of the payment history associated with each disputed account, from the date of opening to the present. This should include : Dates, amounts, and types of each transaction.

Documentation of any missed or late payments, fees assessed, and any adjustments made to the balance. 
4. Proof of Collection Rights Documentation showing the legal authority you or the creditor have to collect on these accounts. This must include : Proof of assignment or transfer of the debt from the original creditor to any subsequent collection agency.

Any agreements with the original creditor authorizing you to collect on this debt. 
5. Insurance Claims Confirmation of whether any insurance claims were filed on these debts by the original creditor or subsequent collectors. If any claims were filed, please provide : Documentation of the claims, including claim amounts, dates, and any outcomes.

6. Chain of Title A complete record of the chain of title for each debt, including all transfers or sales of the debt from the original creditor to the current party seeking collection. This should clearly outline each partys involvement in the transfer or purchase of these accounts.

7. Investigation Results and Confirmation If your investigation determines that any or all of this information can not be provided, I demand immediate deletion of these items from my credit report. Additionally, I require written confirmation of the deletions and a copy of my updated credit report reflecting these changes.

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