Consumer complaint received 2025-09-29 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN ( last XXXX ) : XXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : Experian, P.O. XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Consumer Financial Protection Bureau ( via complaint portal ) Re : Formal Dispute of Inaccurate Credit Reporting Request for Deletion and Correction FCRA XXXX, 605, 605B, 607, 611, 623 | FDCPA 809 Dear [ Bureau/CFPB ], I am disputing inaccurate information appearing on my credit file. These errors violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



Items in Dispute XXXX. XXXX XXXX Student Loans ( Multiple Accounts ) Status incorrectly states Current, was past due 150 days. 
Payment history shows OK status, but tradelines reflect severe delinquency. 
XXXX loans opened on the same date ( XX/XX/XXXX ) with inconsistent balances appear to be duplicates or mis-coded. 
These are false and damaging notations. 
XXXX. Missing/Incomplete Reporting XXXX XXXX XXXX XXXX XXXX Personal information ( name, XXXX, XXXX ) is missing or blank. 
Active accounts that report to Experian are not reporting to TransUnion or Equifax, creating an incomplete file. 
XXXX. Derogatory/Delinquent Accounts Count Experian summary lists XXXX derogatory accounts. This is false and based only on the EDFINANCIAL tradelines. 



Legal Basis FCRA 607 and 623 Information furnished must be accurate and complete.

FCRA 611 I have the right to dispute and request reinvestigation. If unverifiable, items must be deleted within 30 days.

FCRA 605 Obsolete or inaccurate negative information must not be reported.

FCRA 605B Information resulting from identity theft or misreporting must be blocked within 4 business days upon receipt of identity theft documentation.

FDCPA 809 ( 15 U.S.C. 1692g ) Furnishers must validate debts being reported. 



Requested XXXX Delete or correct the XXXX tradelines showing false delinquency. 
Remove the inaccurate XXXX derogatory accounts notation. 
Correct and update my personal information across all bureaus. 
Remove unverifiable or duplicate accounts. 
Provide written confirmation of all deletions and corrections. 

If these items can not be verified with full documentation from the original creditor, they must be deleted immediately. Failure to comply constitutes willful noncompliance under FCRA 616 and negligent noncompliance under 617.

Enclosures Copy of government-issued ID Proof of current address Copy of credit report with disputed items highlighted FTC Identity Theft Report Police Report ( if available ) This is a formal dispute under FCRA 611 and a request for blocking under 605B. Please act accordingly and confirm in writing once these corrections and deletions are completed. 

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