Consumer complaint received 2025-03-25 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:
I am writing to formally dispute several negative items currently appearing on my Experian credit report. This letter serves as an official notice of my intent to have these items removed due to violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and considering the CFPB lawsuit filed against Experian on XX/XX/year>. 

As you are aware, the CFPB has taken legal action against Experian due to its violations of the FCRA, particularly concerning failures to properly investigate and resolve disputes and inaccuracies in consumer credit reports. This lawsuit highlights significant non-compliance with the regulations that are meant to protect consumers from errors and inaccuracies being reported without proper verification. 

Under 15 U.S.C. 1681i ( FCRA ), you are required to ensure the accuracy and completeness of any information reported about me. Given the ongoing legal violations indicated by the CFPB lawsuit, I demand that you remove any negative items that are unverified, incomplete, or inaccurate. Failure to do so further exposes Experian to the potential for additional legal consequences. 

Additionally, I am requesting that you provide full evidence of your investigations into these negative items, specifically showing that proper and verifiable documentation was obtained from the creditors reporting this information. As Experian is now under legal scrutiny, I am well within my rights to request these items be permanently removed in accordance with FCRA Section 1681b and other relevant provisions of the law. 

Disputed Items for Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Given the serious violations detailed in the CFPB 's lawsuit, I also request that you provide documentation proving these items were appropriately investigated under the FCRA guidelines and that there is substantial evidence for these items to remain on my report. If no such evidence exists, I demand the permanent removal of these items. 
Legal Basis for Removal Request 15 U.S.C. 1681b Consumers must have proper notice and an opportunity to challenge inaccurate information. 
15 U.S.C. 1681i You are required to investigate and correct any inaccurate information when requested by a consumer. 
15 U.S.C. 1681q, n, c2 Your company must adhere to full disclosure of findings when a consumer disputes inaccurate information. 

This letter serves as a formal dispute and a cease-and-desist demand for the immediate removal of any inaccurate negative items on my credit report. These items are erroneous and violate my rights under the Fair Credit Reporting Act ( FCRA ). 
You are ordered to cease reporting any false or unverified information. If these items are not permanently removed within 30 days, I will file complaints with the CFPB and pursue all legal action for damages resulting from your violations. 
Please send confirmation and all documentation related to the removal to my address above.

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