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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Subject : Formal Dispute and Demand for Immediate Deletion of Inaccurate Accounts and Personal Information FCRA Violations To Whom It May Concern, This letter is a formal demand under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, to immediately investigate and delete the following inaccurate, unverifiable, and damaging accounts from my Experian credit report.

Experian has continued to report false and inconsistent information that you are legally obligated to correct or remove under federal law. I am demanding full compliance or I will escalate this issue to federal authorities.

DISPUTED ACCOUNTS REPORTING INACCURATELY OR UNVERIFIABLE XXXX XXXX XXXX {$15000.00} Account # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX {$1500.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$340.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX {$2500.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$18000.00} Account # XXXX XXXX XXXX XXXXXXXX XXXX {$270.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$3800.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$400.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  These accounts contain conflicting or inaccurate information, such as : Conflicting dates of activity, closure, and verification Accounts marked as disputed with no follow-up Reinserted items without proper reinvestigation notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Lack of verification or incomplete status resolution under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Experian has a legal duty to ensure the maximum possible accuracy of all information reported under 15 U.S.C. 1681e ( b ), and these accounts fail that standard.

REMOVE INCORRECT PERSONAL IDENTIFIERS I also demand the immediate deletion of all incorrect names and addresses from my file. Only the following should remain : Correct Name : XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX, XXXX, PA XXXX Delete All Other Names Including : XXXX XXXX XXXX XXXX Delete All Old/Incorrect Addresses Including : XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, DE Maintaining outdated or unauthorized identifiers constitutes willful negligence under the FCRA and exposes your agency to legal liability under 15 U.S. Code 1681n and 1681o.

REQUIRED ACTION : I am exercising my right to demand under the FCRA that Experian : 1. Delete all accounts listed above that can not be fully verified.

2. Remove all inaccurate names and addresses immediately.

3. Provide me with a corrected copy of my Experian credit report.

4. Provide documentation that shows the method of verification for any account you refuse to delete ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

If you fail to fully correct these issues within 30 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and may pursue a civil lawsuit for damages due to noncompliance and willful misreporting. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX SSN: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