Consumer complaint received 2025-04-19 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate and unauthorized items listed on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i, which entitles me to a reasonable reinvestigation of disputed information. As a responsible individual working diligently to improve and maintain my financial integrity, it is deeply disheartening to see these errors undermining my progress.

These inaccuracies not only violate my rights under FCRA Section 602 ( A ) which mandates the utmost accuracy and fairness in credit reportingbut also hinder my ability to secure life essentials such as stable housing, employment opportunities, and access to credit. I respectfully request that you conduct a thorough reinvestigation of each item listed below. If these items can not be verified with 100 % accuracy, I ask that they be permanently removed from my credit report as required by law. 
________________________________________ Account Disputes : XXXX. XXXXXX/XX/XXXXXXXX * * * Date Opened : XX/XX/XXXX High Balance : {$2000.00} * * Issue : Reported Late Payment FCRA Violation : Inaccurate reporting under FCRA 607 ( b ) & 611 Action Requested : Please verify the payment history for this account. If you can not provide complete and accurate documentation from the original creditor, this late payment must be removed. 
2. XXXXXX/XX/XXXXXXXX * * * * * * * * Date Opened : XX/XX/XXXX High Balance : {$2800.00} * * Issue : Reported Late Payment FCRA Violation : Inaccurate and potentially unverifiable negative entry ( FCRA XXXX ) Action Requested : I request a full reinvestigation and validation of this late payment. If proper records can not be produced, please delete this negative mark. 
XXXX. XXXX # XXXX * * * * * * * * Date Opened : XX/XX/XXXX High Balance : {$18000.00} * * Issue : Charge-Off Account FCRA Violation : Lack of proper validation and failure to ensure maximum possible accuracy ( FCRA 602 ( b ) ) Action Requested : Please provide original charge-off details from the furnisher. If unable to do so, remove this charge-off from my file. 
XX/XX/XXXX # XXXX * * * * Date Opened : XX/XX/XXXX High Balance : {$14000.00} * * Issue : Charge-Off Account FCRA Violation : Unverified and damaging entry impacting creditworthiness ( FCRA 607 ( b ) ) Action Requested : I request immediate validation of this charge-off. If not fully verifiable, it must be deleted under the FCRA.

________________________________________ I have attached a copy of my ID and proof of residence to assist with your investigation. Please complete your reinvestigation within the 30 days required by the FCRA. I request a written response confirming the deletion or correction of each item. 
Thank you for your prompt attention to this matter. 
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