Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of the following accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am requesting a proper investigation and immediate correction or deletion of any unverifiable or inaccurate information. 
Below are the disputed accounts and the inaccuracies present : Accounts in Violation of FCRA Compliance XXXX XXXX  ( # XXXX ) - Late Payment** o I do not recall making a late payment on this account. Please provide documentation proving delinquency or remove this late payment. 
XXXX XXXX ( # XXXX ) - Late Payment** o This late payment entry is incorrect. Under 15 U.S.C. 1666b, I have been incorrectly billed. Please investigate and remove. 
XXXX XXXX  XXXX ( # XXXX ) - Late Payment** o This late payment is false and unverifiable. If no proof exists, update the status to " On-Time Payment '' or delete it immediately. 
XXXX ( # XXXX ) - Late Payment** o I was never late on this account. Please provide proof or remove this inaccurate late payment entry. 
XXXX XXXX ( # XXXX ) - Late Payment** o I do not recall being late on this account, yet late payments are being reported. Please provide verification or remove the inaccurate entry. 
XXXX ( # XXXX ) - Charge Off** o This charge-off is inaccurately reported. Please provide the original contract and payment history that supports this entry, or remove it. 
XXXX ( XXXX XXXX ) - Charge Off** o This account was charged off without proper documentation. Please verify compliance with XXXX XXXX guidelines and remove if inaccurate. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) ( # XXXX ) - Collection** o This account was reported as a collection despite inaccurate ownership status. If this debt can not be verified with signed documentation, it must be removed. 
Failure to Comply with Federal Regulations Failure to Ensure Maximum Possible Accuracy o Under 15 U.S.C. 1681e ( b ), credit bureaus must ensure maximum accuracy. The inaccuracies listed above indicate non-compliance. Failure to Conduct a Proper Investigation o I have previously disputed these inaccuraci
es, yet Equifax failed to provide evidence of a proper investigation, violatin

g 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Unverified and Incomplete Reporting o As per Metro 2 guidelines, data furnishers must provide accurate, complete, and verifiable consumer data. My credit report reflects incomplete and inconsistent reporting, violating the compliance framework.

Requested Actions : Immediately investigate and correct all disputed items in compliance with Metro 2 and FCRA guidelines. 
Delete any unverifiable, inaccurate, or non-compliant information from my credit report. 
Provide a detailed response, including documentation proving compliance with Metro 2 reporting standards.

If my disputes are not resolved within 30 days, I will escalate this matter by filing a formal complaint with the CFPB, and I may pursue legal action for FCRA violations. 
Please send a written confirmation of corrections or deletions to the address listed above. 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