Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 
Sincerely : THE EXECUTOR OF THE ESTATE OF ( XXXX XXXX XXXX ) THE XXXXXXXX XXXX XXXX XXXX XXXX Procurement of consumer report for resale ( 1 ) DisclosureApersonmay not procure aconsumer reportfor purposes of reselling the report ( or any information in the report ) unless thepersondiscloses to theconsumer reporting agencythat originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose undersection 1681b of this titlefor which the report is furnished to the end-user of the report ( or information ).

( 2 ) Responsibilities of procurers for resaleApersonwho procures aconsumer reportfor purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by thepersononly for a purpose for which the report may be furnished undersection 1681b of this title, including by requiring that eachpersonto which the report ( or information ) is resold and that resells or provides the report ( or information ) to any otherperson ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ). 
( 3 ) Resale of consumer report to a Federal agency or departmentNotwithstanding paragraph ( 1 ) or ( 2 ), apersonwho procures aconsumer reportfor purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the UnitedStatesGovernment which procures the report from thepersonfor purposes of determining the eligibility of theconsumerconcerned to receive access or continued access to classified information ( as defined insection 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to thepersonreselling the report that nondisclosure is necessary to protect classified information or the safety ofpersonsemployed by or contracting with, or undergoing investigation for work or contracting with the agency or department.

( f ) The term person means a naturalperson, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized undersection 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; ( ii ) communication of that information amongpersonsrelated by common ownership or affiliated by corporate control ; or ( iii ) communication of other information amongpersonsrelated by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to theconsumerthat the information may be communicated among suchpersonsand theconsumeris given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among suchpersons ; ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; ( C ) any report in which apersonwho has been requested by a third party to make a specific extension ofcreditdirectly or indirectly to aconsumerconveys his or her decision with respect to such request, if the third party advises theconsumerof the name and address of thepersonto whom the request was made, and suchpersonmakes the disclosures to theconsumerrequired undersection 1681m of this title ; or ( D ) a communication described in subsection ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UPDATED TO PAID IN FULL STATUS REMOVAL OF ALL DERAGOTORY REMARKS/ ALL LATE PAYMENTS IMMEDIATELY!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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