Consumer complaint received 2025-05-27 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: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XX/XX/year> Experian Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : FINAL NOTICE Demand for Immediate Deletion of Inaccurate Personal Information under FCRA 1681i and 1681e ( b ) To Whom It May Concern, This letter serves as my third formal dispute concerning inaccurate and unverifiable information on my Experian credit file. Despite multiple prior notifications, Experian has failed to correct or remove these items, placing you in violation of the Fair Credit Reporting Act ( FCRA ) 1681i and 1681e ( b ).

Incorrect Name Variations Must Be Deleted Immediately My full, legal name is XXXX XXXX XXXX, as verified by my enclosed government-issued photo ID. The following incorrect, misspelled, and unverified name variations continue to appear on my credit report despite previous disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These names are not legally or factually accurate, are not supported by any public records, and must be permanently deleted from my file. Continued reporting of these variants violates your duty under FCRA 1681e ( b ) to maintain the maximum possible accuracy of consumer information.

Fraudulent Address Must Be Removed My correct and only valid address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian is incorrectly reporting the following inaccurate and fraudulent address, which I have never resided at or been associated with : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  This address is false and unverifiable. Continued inclusion on my credit report is a direct violation of FCRA 1681i ( a ) and 1681e ( b ).

Legal Demand and Required Action You are hereby notified under the Fair Credit Reporting Act that you must : Conduct a full and complete reinvestigation of all disputed items within 30 calendar days of receipt ( 1681i ( a ) ( 1 ) ) ; Permanently delete all items that can not be verified ( 1681i ( a ) ( 5 ) ) ; Provide me with a written confirmation of all deletions and corrections, along with a free updated credit report ; Notify any third parties to whom you have furnished this inaccurate data of the corrections made.

Enclosed Supporting Documents Copy of government-issued photo ID ( NM Drivers License ) Notice of Escalation Failure to comply with this dispute demand will result in the following : Immediate filing of a complaint with the Consumer Financial Protection Bureau ( CFPB ) Notice to the New Mexico Office of the Attorney General Consideration of civil litigation for willful non-compliance under FCRA 1681n This is your final notice to correct and permanently delete all inaccurate personal information referenced above. Experian has had ample time to comply with the law and has failed to do so. 


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