Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX Account Number : XXXX Balance : {$3900.00} Date Opened : XX/XX/XXXX The credit bureau is reporting inaccurate information without following proper verification procedures under 15 U.S.C. 1681i. Please delete the whole account. 
XXXX XXXX XXXX Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX The credit bureau is reporting inaccurate information without following proper verification procedures under 15 U.S.C. 1681i. Please delete the whole account. 







XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Balance : XXXX Date Opened : XX/XX/XXXX Payments were made on time, but the account reflects late or missed payments incorrectly. Please delete the whole account. 

The credit bureau is reporting inaccurate information without following proper verification procedures under 15 U.S.C. 1681i. Please delete the whole account. 


XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Balance : XXXX  Date Opened : XX/XX/XXXX Payments were made on time, but the account reflects late or missed payments incorrectly. Please delete the whole account. 

The credit bureau is reporting inaccurate information without following proper verification procedures under 15 U.S.C. 1681i. Please delete the whole account.

Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATION YOU ARE COMMITTING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed. If you fail to comply with this request and send all documentation that proves you saw and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent Noncompliance. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action. 

Sincerely, 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