Consumer complaint received 2025-07-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Whom It May Concern: Experian, regarding this matter, it is not a typical dispute. We expect\nimmediate action as you are currently in violationXXXX am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to clarify that the entries in question have no connection to any of my actions XXXX. Please remove this unfounded information immediatelyXXXX am extremely disappointed by the findings of section FCRA  605B (15 U.S.C.  1681c-2) which requires the immediate removal of specified information within a strict XXXX-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report.XXXX thoroughly investigate these matters and promptly address the disputed items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer by law, this account must be deleted immediatelyXXXX Identity TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a consumer by law, this account must be deleted immediatelyXXXX remove the following inquiriesXXXX 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  organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement as not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity.\n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record.\n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequencesXXXX  have already submitted a formal complaint to the Consumer Financial Protection Bureau, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Kindly comply with this XXXX  note that it is necessary for you to complete this investigation within the given XXXX as per the regulations stated in the Fair Credit Reporting Act Section 611(a)(1)(A)XXXX provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within (XXXX) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within XXXX  days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking XXXX for each infractionXXXX XXXX Negligent Enablement of Identity XXXX Violations of the Fair Credit Reporting XXXX Financial XXXX PENALTY OF XXXX Violations of 15 U.S.C XXXX  15 U.S.C 1692a abusive XXXX 15 U.S. Code  1681b - Permissible purposes of consumer XXXX 15 U.S. code 1681 4A B2 Misleading False Reporting\n\nAs per the mandates delineated in 15 U.S. Code  1681i(a)(5)(b), strict requirements govern the\nreinsertion of previously expunged data; should any information previously expunged from a\nconsumer's record per subparagraph (A) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within 5 business days post-completion of the said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposesXXXX  you for your immediate attention to this matter. I anticipate a swift resolution.\n\nMy contact information is as followsXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 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   605B (15 U.S.C.  1681c-XXXX. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency XXXX appropriate proof of the identity of the consumer;\n(2) a copy of an identity theft XXXX the identification of such information by the consumer; XXXX a statement by the consumer that the information is not information relating to any transaction by the XXXX  Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection (a) of this section\n(1) that the information may be a result of identity XXXX that an identity theft report has been XXXX  that a block has been requested under this section; XXXX of the effective dates of the 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 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 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 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 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 agency could otherwise obtain access under this subchapter."

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