Consumer complaint received 2025-05-20 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Credit Dispute and Request for Deletion of Inaccurate Information Under FCRA & SCRA To Whom It May Concern, I am writing to formally dispute several inaccurate and misreported items on my Experian credit report. As a currently serving XXXX XXXX member of the XXXX military, I am entitled to specific protections under the Servicemembers Civil Relief Act ( SCRA ) and the Fair Credit Reporting Act ( FCRA ). Several accounts listed on my report contain inaccurate data, are not mine, or reflect violations of these protections. I request immediate investigation and deletion or correction of the following : Accounts to Be Deleted or Corrected : XXXX XXXX XXXX XXXX Account No : XXXX Request : Please delete all payment and account history. 

XXXX XXXX XXXX Request : Delete all account history and derogatory information. This account reflects late payments that should never have been reported. I am an XXXX XXXX service member, and this loan was in deferment due to my military status and school enrollment. Under the XXXX and Department of Education rules, XXXX XXXX military members are entitled to automatic deferment of federal student loans. Reporting negative payment history during this deferment period violates the XXXX and FCRA. Please remove all derogatory information and correct this record accordingly. 

XXXX XXXX XXXXXXXX Account No : XXXX Request : This account is not mine and should be permanently deleted. 

XXXX XXXX XXXX Account No : XXXX Request : This account is not mine. Please delete this from my report immediately. 

XXXX XXXX XXXX Account No : XXXX Request : This account is not in my name and does not belong to me. Please remove it from my credit file. 

XXXX XXXXXXXX XXXX  Account No : XXXX Request : I have never made a late payment on this account. As a current XXXX XXXX military member, any adverse reporting during my service is improper under the XXXX. Please ensure only accurate, positive payment history is reflected and remove any negative marks. 

XXXX XXXX Account No : XXXX Request : This is not my account. Please delete it from my credit file. 

XXXX XXXX Account No : XXXX Request : This is not my account. Please remove it from my report. 

Incorrect Personal Information : Incorrect Name : My legal name is XXXX XXXX, not XXXX XXXX. Please correct all instances on file. 

Incorrect Address : I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Please delete this address. 

Correct Previous Addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Unauthorized Inquiries XXXX I am also requesting removal of all unauthorized hard inquiries that I did not initiate. Under FCRA XXXX ( a ) ( XXXX ), inquiries require consumer consent. None of the inquiries on my report were authorized by me. Please delete them in accordance with federal law. 

Legal Basis : This dispute is submitted under : FCRA XXXX Right to dispute inaccurate information FCRA XXXX Blocking of information resulting from errors or improper reporting FCRA XXXX ( a ) ( XXXX ) Consent requirement for inquiries XXXX XXXX ' rights including protection against certain adverse credit actions during XXXX XXXX Next Steps & Documentation : Please provide written confirmation that the disputed items have been corrected or removed. I am enclosing the following documentation : Copy of government-issued ID Proof of current address Military service documentation ( if needed ) Sincerely, XXXX XXXX XXXX XXXX Government-issued ID Proof of address

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