Consumer complaint received 2025-06-05 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: MI

Complaint narrative:
I, XXXX XXXX, am filing this complaint to report the failure of a consumer reporting agency to provide the method of verification and to uphold its responsibilities under the Fair Credit Reporting Act ( FCRA ). I am writing on my own behalf, as a natural person, and am exercising my right under 15 U.S.C. 1681i ( a ) ( 7 ) to receive a full description of the reinvestigation procedures used to verify disputed items on my credit report.

Despite a previous dispute submitted, I have not received the required documentation or explanation verifying the accuracy of the accounts in question. I believe the continued reporting of these items may violate my rights under 15 U.S.C. 1681e ( b ) and 1681i of the FCRA, which require reasonable procedures to ensure maximum possible accuracy and a complete reinvestigation of disputed information. 

Disputed Items Incorrect Personal Information Address : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( Reported : XX/XX/XXXX ) Incorrect Personal Information Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( Reported : XX/XX/XXXX ) Collection Account Furnisher : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Collection Account Furnisher : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( Addresses # XXXX and # XXXX were repeated more than once in the initial dispute submission. ) Requested Information Under FCRA 15 U.S.C. 1681i ( a ) ( 7 ) I request a full and specific method of verification, including : The name, address, and telephone number of the original creditor or furnisher. 

The name of the individual who verified the information.

Valid documentation used to confirm the disputed items.

A detailed description of the procedures used during the reinvestigation.

An outline of your agencys compliance measures under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy in all data reporting.

Legal Noncompliance and Remedy Sought If you can not produce the requested verification or documentation, I am requesting the immediate deletion of the inaccurate and unverifiable items from my credit report, in accordance with : 15 U.S.C. 1681e ( b ) Duty to follow procedures ensuring accuracy, 15 U.S.C. 1681i ( a ) ( 5 ) Obligation to delete unverifiable data, 15 U.S.C. 1681i ( a ) ( 7 ) Right to receive method of verification.

Failure to comply will result in civil liability under : 15 U.S.C. 1681n Willful noncompliance, 15 U.S.C. 1681o Negligent noncompliance.

Next Steps If this matter is not properly addressed within the legal timeframes, I will file additional complaints with : The Consumer Financial Protection Bureau ( CFPB ), My State Attorney General, The Federal Trade Commission ( FTC ), And consider pursuing legal action for damages. 

Sincerely, 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