Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I am submitting this complaint. The credit bureaus below have reported inaccurate/unauthorized information and failed to properly respond to a mailed dispute. Please treat this as a formal complaint and request for enforcement under the Fair Credit Reporting Act ( FCRA ).

Summary of violations ( apply to the bureau named in each complaint ) : 1 ) Failure to complete a reasonable reinvestigation and provide results by mail within the statutory period after receiving my mailed dispute ( sent on [ Mailed on : XX/XX/XXXX ] and delivered according to XXXX ). It has now been XXXX days, and the bureau either ignored the mail or sent only a generic verify identity via web portal response. 
XXXX ) Conditioning reinvestigation on use of the online portal and sending a default identity verification letter instead of processing the written dispute materials already supplied ( government ID and proof of address were mailed ). This obstructs the FCRA right to dispute by mail and obtain written results, and functions as a delay tactic.

3 ) Continuing to report inaccurate/uncertain tradelines and conflicting statuses across bureaus without furnishing the method of verification upon request.

Requested relief to Bureau : Remove the disputed/unauthorized/inaccurate tradelines listed below or correct to accurate information across all bureaus, and provide the method of verification ( name, address, and telephone of the furnisher and how verified ). 
Mail written investigation results to XXXX address above ( do not require online portal ). 
Cease reporting while reinvestigation is pending. 
Record the dispute on the file and on any reinsertion provide required notice. 
Provide copies of any documents relied upon in verification. 

XXXX : Experian Disputed items from attached screenshots : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Closed ) Status Account legally paid in full for less than the full balance. 
Last Updated : XX/XX/XXXX ( Experian ) Balance : {$0.00} | XXXX XXXX : {$1400.00} Issue : Conflicts with later Experian reporting ( see # XXXX ) that shows large unpaid chargedoff balance. Request clarification and removal of any duplicate/incorrect record. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Closed ) Status Unpaid balance reported as a loss by credit grantor. 
Last Updated : XX/XX/XXXX ( Experian ) Balance : {$3600.00} | Credit Limit : {$2800.00} Issue : Contradicts the XX/XX/XXXX $ XXXX entry for the same creditor. Dispute ownership/amount and firstdelinquency date ; request deletion if unverifiable. 

XXXX ) XXXX XXXX ( Closed ) Status Account transferred to another office. 
Last Updated : XX/XX/XXXX ( Experian ) XXXX : {$0.00} Issue : Unknown creditor ; dispute accuracy ; request deletion if no original signed account documents are available. 

Legal basis referenced ( plain language ) : FCRA 611 ( a ) ( 1 ) : Right to dispute and require a reasonable reinvestigation ( generally 30 days ). FCRA 611 ( a ) ( 6 ) : Right to written notice o
f results and method of verification upon request.

FCRA 623 ( a ) : Furnishers must report accurately and correct/augment information when notified of a dispute. 
Reinsertions require notice ; reporting must be consistent and not misleading.

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