Consumer complaint received 2025-05-02 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: NV

Complaint narrative:
To Whom It May Concern, This is now my fifth formal request for the removal and correction of inaccurate, unverifiable, and misleading information from my Equifax credit report. Despite multiple disputes, Equifax has not provided adequate verification or proof of reporting accuracy, which is a direct violation of the Fair Credit Reporting Act ( FCRA ).

Please find below the disputed items that must be addressed : XXXX  LATE PAYMENTS XXXX  & XXXX XXXX  XXXX. XXXX  # XXXXXXXX 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 ( Duplicate entry ) XXXX XXXX Issue : These accounts are reporting late payments that I do not recognize and have never been notified of. No statements or proof of delinquency have been provided. 
FCRA Violation : 1681i ( a ) Failure to reinvestigate disputed information.

Action Requested : Immediately delete or correct all late payments unless you can provide verified proof, including payment history, billing statements, and signed agreements. 
________________________________________ COLLECTION ACCOUNTS XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) # XXXX Issue : These collection accounts are unverified and were never validated in writing. I have not received any notice of debt nor signed acknowledgment of liability.

FCRA Violation : o 1681b No permissible purpose for collection reporting o 1681e ( b ) Inaccurate and unverifiable information o FDCPA 809 ( 15 USC 1692g ) Lack of debt validation Action Requested : Delete both collection accounts from my credit file immediately, unless full debt validation is provided with original creditor documentation. 
________________________________________ UNAUTHORIZED HARD INQUIRIES XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Issue : I did not authorize any of these hard inquiries. There is no permissible purpose or signed credit application associated with these companies.

FCRA Violation : 1681b ( c ) & 604 ( a ) ( 3 ) Access to my credit file without my consent.

Action Requested : Immediately delete all the listed unauthorized inquiries.

XXXX FINAL NOTICE AND DEMAND As outlined in FCRA 1681i, you must conduct a reasonable and documented reinvestigation within 30 days. If Equifax is unable to verify any of these items with proper documentation from the original furnishers, you are required to delete them from my report.

Should Equifax continue to fail in fulfilling its legal obligations, I will be left with no choice but to take the following actions : 1. File a complaint with the Consumer Financial Protection Bureau ( CFPB ) 2. Submit a report to the Federal Trade Commission ( FTC ) 3. Seek legal counsel and pursue compensation for the ongoing damages to my credit and finances I expect a written confirmation of the corrections or deletions made. 
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