Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
To Whom It XXXX Concern, Upon reviewing my credit report, I have identified certain item ( XXXX ) that are inaccurately reported. I am disputing these items and requesting an immediate investigation and correction of my credit report in accordance with the Fair Credit Reporting Act. 

Disputes : The following personal information is incorrect : Former Name : XXXX XXXX The following personal information is incorrect : Also Known As : XXXX XXXX The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

Violation of 15 USC 1692g- Please validate this account within 30 days. If you fail to do so, this must be deleted : XXXX XXXX XXXX Account Number : XXXX Violation of 15 USC 1692g- Please validate this account within 30 days. If you fail to do so, this must be deleted : XXXX XXXX XXXX Account Number : XXXX Violation of 15 USC 1692g- Please validate this account within 30 days. If you fail to do so, this must be deleted : XXXX XXXX XXXX Account Number : XXXX Violation of 15 USC 1681B - Failure to comply with Section 604. Please remove from my credit report : XXXX XXXX XXXX Account XXXX : XXXX Validate account. Do not recognize this account : XXXX XXXX XXXX Account XXXX : XXXX Validate account. Do not recognize this account : Portfolio Recovery Associates Account Number : CAPIT-******************* Violation of 15 USC 1681g - Failure to provide full disclosure. Please remove from my credit report : XXXX XXXX XXXX Account Number : XXXX Violation of 15 USC 1681g - Failure to provide full disclosure. Please remove from my credit report : XXXX XXXX XXXX Account XXXX : XXXX Please send me the purchase agreement and validate the debt. You can not collect on account numbers : XXXX XXXX XXXX  Account Number : XXXX-******************* Violation of 15 USC 1692g - Please validate this account within 30 days. If you fail to do so, this must be deleted : XXXX XXXX XXXX Account XXXX : XXXX Please send me the purchase agreement and validate the debt. You can not collect on account numbers : XXXX XXXX XXXX Account Number : XXXX Violation of 15 USC 1692g - Please validate this account within 30 days. If you fail to do so, this must be deleted : XXXX XXXX XXXX Account Number : XXXX Violation of XXXX XXXX XXXX - Failure to comply with Section 604. Please remove from my credit report : XXXX Bank Account Number : XXXX Violation of 15 USC 1681g - Failure to provide full disclosure. Please remove from my credit report : XXXX XXXX XXXX Account Number : XXXX******************* Violation of XXXX XXXX XXXX XXXX Failure to provide full disclosure. Please remove from my credit report : XXXX XXXX XXXX Account XXXX : XXXX Validate account. Do not recognize this account : XXXX XXXX XXXX Account Number : XXXX-******************* I do not recognize. I have no knowledge of this account : XXXX XXXX XXXX Account Number : XXXX Violation of XXXX XXXX XXXX - Failure to comply with Section 604. Please remove from my credit report : XXXX XXXX  XXXX Account XXXX : XXXX Violation of 15 USC 1681B - Failure to comply with Section 604. Please remove from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX Violation of 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Please delete immediately : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Violation of 15 USC 1681 ( a ) - Consumer 's right to privacy. Please remove this inaccurate information from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX The status is incorrect for the following account : XXXXXXXX XXXX  XXXX Account Number : XXXX Violation of 15 USC 1681B - Failure to comply with Section 604. Please remove from my credit report : XXXX Account Number : XXXX The status is incorrect for the following account : XXXX Account Number : XXXX Violation of 15 USC 1681B - Failure to comply with Section 604. Please remove from my credit report : XXXXXXXX Account Number : XXXX Violation of 15 USC 1666b- Please remove immediately : XXXXk Account Number : XXXX The following information is outdated. I would like it removed from my credit report : XXXXXXXX XXXX Account Number : XXXX Violation of 15 USC 1681B - Failure to comply with Section 604. Please remove from my credit report : Comenity XXXX Account Number : XXXX Violation of 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Please delete immediately : XXXX Account XXXX : XXXX Violation of 15 USC 1681b - Permissible purposes of consumer. Please delete immediately : XXXX XXXX XXXX XXXX Account Number : XXXX Violation of 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Please delete immediately : XXXX Account Number : XXXX Violation of 15 USC 1681i ( 4 ) - Client privacy information. Please delete this item immediately : XXXX XXXX Account Number : XXXX Violation of 15 USC 1681B - Failure to comply with Section 604. Please remove from my credit report : XXXX XXXX Bank Account Number : XXXX In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you will undertake the necessary steps to verify these items with the relevant creditor. Any information that can not be verified by the creditor should be deleted from my report. I am aware that, as per 15 U.S.C. 1681i ( a ), you are obligated to complete this reinvestigation within 30 days of receiving this letter. 

Kindly provide an updated copy of my credit report to the aforementioned address. According to the provisions of the Act, I am entitled to receive this updated report free of charge. Furthermore, I request that you notify anyone who has received a copy of my credit report in the past six months of the necessary corrections. 

Thank you for your attention and assistance in resolving this matter.

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