Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
# CERTIFIED MAIL - RETURN RECEIPT REQUESTED * * XX/XX/XXXX * * * * TO : * Experian XXXX XXXX  XXXX XXXX, TX XXXX * * FROM : * * XXXX XXXX * * RE : * * FCRA DISPUTE - ACCOUNT REMOVAL DEMAND -- - # # NOTICE OF DISPUTE UNDER FCRA 611 & DEMAND FOR REMOVAL XXXX XXXX Consumer Information : XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX XXXX - XXXX XXXX  Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX Email : XXXX XXXX  XXXX XXXX XXXX XXXX  SSN : XXXX XXXX  XXXX - * * XXXX : * * XXXX -- - XXXX XXXX DISPUTED ACCOUNT INFORMATION XXXX XXXX XXXX ACCOUNT XXXX  XXXX : XXXXXXXX XXXX XXXX Account Name : * * XXXX  * XXXX Account Number XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Date Opened XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Status : XXXX XXXX  Collection account - {$1000.00} past due XXXX XXXX XXXX  ACCOUNT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Number : * * XXXX * * Date Opened : * * XX/XX/XXXX * * Status : * * Account charged off. {$73.00} written off. {$30.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX  XXXX : XXXX XXXX * * Account Name : XXXX XXXX XXXXXXXX XXXX * XXXX Account Number : XXXX XXXX XXXX * * Date Opened : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Status XXXX XXXX XXXX Closed. {$400.00} written off -- - # # FCRA VIOLATIONS & DISPUTE GROUNDS # # # 1. INACCURATE AND UNVERIFIABLE INFORMATION ( FCRA 1681e ( b ) ) * * TELERECOVERY Account : * * - Contradictory balance reporting and update dates- Invalid date entries throughout payment history - Inconsistent collection status reporting * * KIKOFF LENDING LLC Account : * * - Shows " Account charged off '' but reports {$30.00} past due as of XX/XX/XXXX - Conflicting status information ( charged off vs. past due ) - Balance discrepancies ( {$73.00} written off vs. current reporting ) * * XXXX XXXX Account : * * - Account marked " POTENTIALLY NEGATIVE '' despite being closed with {$0.00} balance - Misleading status reporting for closed account - Inaccurate negative designation for resolved account # # # 2. FAILURE TO PROPERLY INVESTIGATE PREVIOUS DISPUTES Per FCRA 1681s-2 ( b ), all three accounts show evidence of XX/XX/XXXX dispute processing with notations of " item remained unchanged '' or " item was updated, '' indicating your failure to conduct reasonable reinvestigation as required by law. 

# # # XXXX. CONTINUED REPORTING OF DISPUTED INFORMATION All accounts continue reporting the same disputed information without proper verification, violating FCRA 1681s-2 ( b ) ( 1 ) ( E ).

# # # 4. VIOLATION OF MAXIMUM REPORTING PERIOD These accounts may exceed allowable reporting timeframes under FCRA 1681c, particularly given unclear dates of first delinquency and charge-off periods.

-- - # # FORMAL DEMAND FOR ACTION Under 15 U.S.C. 1681i, I hereby dispute the above-referenced accounts as * * INACCURATE, INCOMPLETE, AND UNVERIFIABLE * *.

* * I DEMAND THE FOLLOWING : * * 1. * * IMMEDIATE REMOVAL * * of all three ( 3 ) disputed tradelines from my consumer file 2. * * WRITTEN CONFIRMATION * * of removal within 30 days 3. * * SUPPRESSION * * of these accounts from all future consumer reports 4. * * NOTIFICATION * * to all parties who received reports containing this information within the past 6 months ( 24 months for employment purposes ) -- - # # LEGAL NOTICE * * BE ADVISED : * * - This dispute is made under penalty of perjury - I reserve all rights under FCRA 1681n & 1681o for willful or negligent noncompliance - Failure to investigate or remove unverifiable information may result in legal action- I am maintaining detailed records of all correspondence and credit report versions -- - # # VERIFICATION REQUIREMENTS If you determine these accounts are accurate ( which I dispute ), you must provide : 1. Complete method of verification used for each account 2. Name and business address of each information source 3. Complete account documentation from each furnisher 4. Proof of proper dispute investigation procedures followed for all accounts * * WARNING : * * Under FCRA 1681s-2 ( a ) ( 8 ), furnishing information known to be inaccurate is prohibited.

-- - # # RESPONSE REQUIREMENTS * * REQUIRED RESPONSE WITHIN 30 DAYS : * * - [ ] All three ( XXXX ) disputed accounts REMOVED from consumer file - [ ] Written confirmation of removal for each account - [ ] Updated consumer report showing all removals - [ ] Notification sent to previous report recipients regarding all accounts * * FAILURE TO RESPOND APPROPRIATELY WILL RESULT IN : XXXX XXXX - CFPB complaint filing - State Attorney General notification - Potential legal action for FCRA violations - Demand for statutory damages up to {$1000.00} plus attorney fees -- - XXXX XXXX DECLARATION UNDER PENALTY OF PERJURY : XXXX XXXX  I declare under penalty of perjury under the laws of the United States that the information in this dispute is true and correct to the best of my knowledge. 

XXXX XXXX Printed Name : XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  XX/XX/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