Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : Dispute of Inaccurate Information Under 15 U.S.C. 1681e ( b ) To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable personal information listed on my Equifax credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to assure the maximum possible accuracy of the information they report. 

Upon reviewing my credit report, I have identified inaccurate personal identifying information that is not mine and must be removed immediately : Incorrect Names : XXXX XXXX XXXX ; XXXX XXXX Incorrect Addresses : 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 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 XXXXXXXX Incorrect XXXX Numbers : ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX Incorrect Employers : XXXX ; XXXX ; IT DEPT These entries are not associated with me in any way and are damaging to my credit profile. Their inclusion on my file is a violation of federal law. 

I must also note that my personal information was compromised in the Equifax data breach of 2017, which further undermines the credibility of the data being reported and reinforces my demand for strict adherence to the accuracy standards set forth under the FCRA. 

Under federal law, you are required to investigate and correct this information within 30 days of receiving this dispute. If this information is not corrected or removed within the appropriate time-frame, I will be prepared to : 1. File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

2. Initiate litigation for statutory and actual damages under the FCRA, including costs and attorneys fees, for willful and/or negligent noncompliance. 

For verification purposes, I have enclosed the following documents : A copy of my drivers license A copy of a recent utility bill or bank statement Please confirm in writing that the investigation has been completed and that the disputed items have been corrected or removed. I also request an updated copy of my credit report reflecting these changes. 

Sincerely, 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