Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint after discovering multiple inaccuracies and incomplete information in my credit report obtained from AnnualCreditReport.com. I previously submitted formal disputes directly to the credit reporting agency and included all necessary documentation and identity verification. However, I have not received an adequate response or resolution. 

This complaint concerns both inaccurate personal information and multiple inaccurate and/or unverifiable tradelines, primarily related to XXXX XXXX Additionally, this complaint includes a formal request for the method of verification and a full file disclosure as required by the Fair Credit Reporting Act ( FCRA ). 

Disputed Information Incorrect Personal Information : Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inaccurate/Unverifiable Tradelines : XXXX XXXX Charge Off Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Late Payment ( Closed/Paid ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Charge Off Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Violations Cited 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a good-faith reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete inaccurate or unverifiable information.

15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide a method of verification.

15 U.S.C. 1681g Failure to provide full file disclosure upon request.

Requested Relief I respectfully request that the CFPB require the credit reporting agency to : Conduct a full and proper reinvestigation of each item listed above. 

Delete or correct any information that can not be 100 % verified. 

Provide the method of verification, including : Description of all procedures used, Name, address, and contact info of furnishers contacted, Copies of documentation used to verify accuracy. 

Provide a full consumer file disclosure, including : All credit data currently on file, Complete inquiry history ( hard and soft ), All third-party certifications provided to access my file. 

Additionally, I request that all incorrect personal identifiers be immediately removed or corrected, including : Incorrect previous addresses, Inaccurate name variations, employers, phone numbers, or SSN digits. 

Verified Personal Information to Retain Only Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/2000 Last 4 of SSN : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX Compliance Deadlines A response to this dispute must be provided within 30 days under 15 U.S.C. 1681i ( a ).

The method of verification must be disclosed within 15 days under 15 U.S.C. 1681i ( a ) ( 7 ).

Communications must be in written form by mail only ; I do not consent to electronic correspondence. 

Escalation Notice If the credit bureau fails to respond or correct the reporting violations, I am prepared to escalate this matter with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office And pursue legal remedies for damages under 15 U.S.C. 1681n and 1681o This complaint is being submitted by me personally, XXXX XXXX XXXX, and not through any third party. I request full compliance with federal law in handling this dispute. 

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