Consumer complaint received 2025-04-14 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: NC

Complaint narrative:
This is a formal request for reinvestigation and immediate correction of inaccurate, incomplete, and unverifiable information currently appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], and the Fair Debt Collection Practices Act ( FDCPA ) 809.

These accounts and inquiries are damaging my credit score, and in some cases, I have no knowledge or relationship with the accounts being reported.

________________________________________ Addresses to Be Removed I am requesting the removal of the following addresses as they are either outdated or never associated with me. As per FCRA 605 ( a ), unverified personal information must be deleted : XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ________________________________________ Disputed Accounts & Legal Basis 1. XXXX XXXX # XXXX Late Payments Date Opened : XX/XX/XXXX High Balance : {$15000.00} Dispute : This account is reporting multiple late payments without proper notice or confirmation of delinquency. I was under a hardship program during that period. 
Violations : o FCRA 607 ( b ) : Failure to ensure maximum possible accuracy o CARES Act ( if applicable ) : Failure to report payment deferral or hardship program correctly Requested Action : Please provide documentation validating the delinquency and the timeline, or delete these late marks from the report.

2. Unknown Account # XXXX Collection Date Opened : XX/XX/XXXX High Balance : {$120.00} Dispute : I have no knowledge of this account and was never notified of this debt. This account is being reported without proper validation. 
Violations : o FDCPA XXXX ( a ) : No written notice of debt provided o FCRA XXXX ( a ) : Furnisher failed to provide original creditor information and documentation Requested Action : Please delete this item unless full debt validation and authorization from the original creditor can be produced. 
________________________________________ Inquiries to Be Investigated The following inquiries appear questionable and may not have been authorized. If these were made without a permissible purpose under FCRA 604, they must be removed : XXXX XX/XX/XXXX ( Duplicate inquiry 2 entries same date ) XXXX  XX/XX/XXXX ________________________________________ Requested Actions 1. Immediately delete the above-mentioned addresses that are not associated with my credit file.

2. Reinvestigate and validate each disputed account and provide documentation for each.

3. Remove any unverifiable item within 30 days as required by FCRA 611 ( a ) ( 1 ).

4. Provide the method of verification and contact information of the data furnishers involved.

5. Send me an updated copy of my credit report reflecting all deletions and corrections.

________________________________________ I am requesting that you complete this reinvestigation within the 30-day timeframe as specified by law. Failure to comply may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and legal counsel.

Thank you for your immediate attention to this matter. 
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