Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally contesting any inaccuracies on my credit report, aligning with the FCRA and Metro 2 data field reporting standards. Unsupported claims of delinquency and derogatory remarks can not be accepted without documented proof. Accurate and complete reporting, as mandated by federal and state law, is essential. I urge you to ensure factual, lawful claims and provide verifiable evidence for account existence and usage. If not, kindly remove it and send physical documentation of your actions and my updated credit report. Your prompt attention to this matter is appreciated. 

Listed below are the Personal Information that are being challenged : Incorrect Name : XXXX XXXX XXXX XXXX : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employer : XXXX Incorrect Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Listed below are the Accounts that are being challenged : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Public Records that are being challenged : Federal - XXXX Listed below are the Inquiries that are being challenged : XXXX XXXX XXXXXXXX - XXXX Incorrect Current Address - XXXX XXXX XXXX, XXXX, CA XXXX I would like to request your assistance in resolving an issue regarding my credit file. It has come to my attention that there appears to be a mistake on your part wherein someone else 's information has been inadvertently mixed or merged with my file. As such, I would respectfully request that you take prompt action to remove the address in question from my credit report. It should be noted that I do not reside at the aforementioned address and furthermore, the US Postal Service has confirmed that it is not a deliverable address in accordance with the Fair Credit Reporting Act ( FCRA ). I trust that your company will act swiftly to rectify this situation, as the inclusion of someone else 's address and personal information in my credit report is a violation of the law. Thank you for your understanding and cooperation in this matter. 

You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 USC 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. 

I demand immediate deletion of the following fraudulent accounts : Bankruptcy - 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 XXXXXX/XX/XXXX Your continued negligence in handling identity theft reports violates : FCRA 605B ( 15 USC 1681c-2 ) Failure to block fraudulent data 15 USC 1681n Willful non-compliance with the FCRA 15 USC 1681o Negligence in reinvestigating disputed information 15 USC 1681s-2 Failure of furnishers to report accurate data If you fail to comply within 10 days, I will escalate this matter to the CFPB, FTC, and Attorney Generals Office, and seek legal damages for your reckless disregard for federal law.

I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and Metro 2 standards. It is imperative that allegations are supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the Metro 2 standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. If not provided, I request removal from the report and authorize the mailing of physical documentation of actions taken and my updated credit report. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, CA XXXX Employer : XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Name : XXXX XXXX Listed below are the Accounts that are being challenged : XXXX LEND - XXXX Listed below are the Public Records that are being challenged : Federal - XXXX I would like to bring to your attention that the above-mentioned content has never been certified to conform to the reporting standards. The preceding data has not been proven to be accurate, complete, up-to-date, or validated. In order to comply with reporting obligations and consumer legislation, it is imperative that documentation confirming conformity be provided. The information supplied above is deemed insufficient to meet the required standards. Therefore, I kindly request that any inaccurate, incomplete, or unsupported material be promptly deleted to ensure that my credit report is accurate and compliant with applicable regulations. 

I kindly beseech you to conduct a comprehensive examination of the information in question vis -- vis the original creditors, and furnish me with the requisite documentation bearing my signature. In the event that no such substantiating documentation bearing my signature is found, I respectfully request the expeditious removal of all associated allegations, inquiries, and account records from the credit report linked to my Social Security number

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