Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has denied my disputes several times when it is within my legal right to have to debt thats isnt mine removed from my credit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX Subject : Dispute of Account Information Not My Account / XXXX XXXX XXXX Dear Sir/Madam , I am writing to formally dispute the information reported to the credit bureaus regarding my account with XXXX XXXX XXXX XXXX XXXX account number XXXX, originating from XXXX XXXX XXXX and a balance of {$1900.00}. This account does not belong to me, and I assert that I have no knowledge of this debt. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Bureau ( CFPB ) regulations, along with other applicable state laws regarding credit reporting inaccuracies and identity protection. 

The account referenced appears to contain inaccurate or fraudulent information, and I am disputing it on the grounds that : XXXX. This is not my account and I have no contractual relationship with XXXX XXXX or XXXX XXXX XXXX XXXX. 
XXXX. FCRA Section 1681i : Grants me the right to dispute any inaccurate or incomplete information reported to the credit bureaus and requires that you conduct a reasonable investigation. 
XXXX. FCRA Section 1681s-2 : Requires that furnishers of information, including XXXX XXXX XXXX XXXX XXXX ensure the accuracy of the information provided to the credit bureaus. 
XXXX. CFPB Regulation 12 CFR 1022.40 : Mandates that furnishers must provide accurate and complete information and correct any disputes within 30 days. 
XXXX. FCRA Section 1681e ( b ) : Requires that consumer reporting agencies maintain the maximum possible accuracy of information in a consumers credit file. The inclusion of inaccurate or fraudulent information violates this provision. 

As this account does not belong to me, I request that XXXX XXXX XXXX XXXX immediately remove this account and balance from my credit report and provide written confirmation that this entry has been deleted. Additionally, I request full validation of the debt associated with this account, including a detailed explanation of the debt, verification from XXXX XXXX, and any documents supporting the accuracy and legitimacy of the reported information. 

If you are unable to provide the requested documentation, or if the information can not be properly verified, I demand that you immediately remove the account from my credit file in compliance with FCRA Section XXXX ( a ). 

Please consider this dispute seriously and comply with the XXXX investigation period as stipulated by law. Failure to comply with these regulations may result in further action on my part, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the credit bureaus. 

Thank you for your prompt attention to this matter. I expect a written response, including documentation, within the legally required XXXX period. 

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