Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX RE : DEMAND FOR XXXX XXXX COMPLIANCE - STATIC REMOVAL AND WRITTEN CONFIRMATION LEGAL NOTICE OF DISPUTE AND DEMAND FOR COMPLIANCE Equifax Information Services LLC, XXXX. XXXX XXXX, XXXX, GA XXXX Dear Credit Reporting Agency / Data Furnisher : This correspondence serves as formal notice of dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand for immediate XXXX XXXX format compliance regarding static removal and account blocking procedures. I. STATUTORY AUTHORITY AND COMPLIANCE REQUIREMENTS FCRA Section 1681i - Procedures in Case of Disputed Accuracy You are hereby notified that the following information in my consumer file is inaccurate, incomplete, or unverifiable and must be immediately removed : DISPUTED ITEMS REQUIRING STATIC REMOVAL : All accounts not belonging to me All accounts with incorrect personal identifying information All accounts reporting beyond statutory reporting periods All medical collection accounts improperly reported All accounts with inaccurate payment history All accounts with incorrect balance information All inquiries not authorized by me All public record information that is inaccurate or obsolete FCRA Section 1681e ( b ) - Reasonable Procedures for Maximum Possible Accuracy Your current procedures have failed to maintain reasonable accuracy standards as evidenced by the disputed information remaining in my file. 
XXXX. XXXX XXXX FORMAT COMPLIANCE REQUIREMENTS Under XXXX XXXX Format specifications and FCRA Section 1681s-2, you are required to : A. STATIC REMOVAL PROCEDURES 1. Immediate Deletion : Remove all disputed items that can not be verified within the reinvestigation period 2. Account Status Code Updates : Update all account status codes to reflect accurate current status 3. Payment History Correction : Correct all inaccurate payment rating codes 4. Balance Reporting : Ensure all balance information reflects current accurate amounts B. ACCOUNT BLOCKING REQUIREMENTS 1. Preventive Blocking : Block all accounts identified as not belonging to consumer 2. Medical Information Blocking : Properly block medical information per FCRA Section 1681c ( a ) ( 6 ) 3. Identity Theft Blocking : Block information resulting from identity theft per FCRA Section 1681c-2 III. WRITTEN CONFIRMATION REQUIREMENTS FCRA Section 1681i ( a ) ( 5 ) - Consumer Notification Requirements Upon completion of reinvestigation, you must provide written confirmation including : 1. Complete Results : Written notice of results of reinvestigation 2. Updated Report : Copy of consumer report if changes were made 3. Deletion Confirmation : Specific confirmation of all deleted items 4. Data Furnisher Information : Contact information for data furnishers contacted DELIVERY REQUIREMENTS Written confirmation must be sent to : XXXX XXXX XXXX XXXX XXXX LA XXXX DELIVERY DEADLINE : Within 4 ( four ) business days of dispute receipt IV. XXXX XXXX SPECIFIC COMPLIANCE ACTIONS REQUIRED Data Element Corrections Required : Consumer Information Segment : Correct all personal identifying information Base Segment : Update account status, payment rating, and balance information XXXX Segments : Correct payment history for past 24 months K-Segments : Update all specialized payment information Static Removal Protocol : 1. Set Account Status Code to 97 ( Account Closed by Consumer ) for accounts not belonging to me 2. Set Date Closed field to current date 3. Set Balance fields to zero 4. Remove all negative payment history codes 5. Suppress reporting to other credit bureaus V. BLOCKING AND SUPPRESSION REQUIREMENTS The following items must be permanently blocked and suppressed : Account-Level Blocking : All fraudulent accounts opened without authorization All accounts with mixed file information All accounts reporting beyond FCRA time limitations All medical collection accounts improperly disclosed Inquiry Blocking : All unauthorized hard inquiries All promotional inquiries improperly reported as hard inquiries All inquiries from non-permissible purpose entities VI. COMPLIANCE TIMELINE AND PENALTIES Reinvestigation Timeline : Standard Disputes : 30 calendar days from receipt Written Confirmation : 4 business days from completion Identity Theft Disputes : 15 business days maximum Non-Compliance Penalties : Failure to comply with these requirements may result in : FCRA Section 1681n violations ( willful non-compliance ) : Up to {$1000.00} per violation plus actual damages FCRA Section 1681o violations ( negligent non-compliance ) : Actual damages plus attorney fees Pattern and practice violations : Enhanced damages and injunctive relief VII. EVIDENCE AND DOCUMENTATION REQUIRED You must provide documentation proving : 1. Original Creditor Verification : Signed contracts or agreements for all reported accounts 2. Chain of Title : Complete assignment documentation for collection accounts 3. Payment History Verification : Source documents supporting all payment ratings 4. Identity Verification : Proof that all accounts belong to the correct consumer VIII. CONSUMER RIGHTS PRESERVATION This dispute preserves all rights under : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq.

Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 et seq.

State consumer protection statutes IX. CERTIFICATION AND VERIFICATION I hereby certify that the information disputed herein is, to the best of my knowledge, inaccurate, incomplete, or unverifiable. I request that you conduct a reasonable reinvestigation and remove all items that can not be verified as accurate and complete.

X. DEMAND FOR COMPLIANCE YOU ARE HEREBY DEMANDED TO : 1. IMMEDIATELY REMOVE all disputed items through XXXX XXXX static removal procedures 2. BLOCK ALL ACCOUNTS that do not belong to me or contain inaccurate information 3. PROVIDE WRITTEN CONFIRMATION to the address specified above within 4 business days 4. CEASE REPORTING all disputed information to other credit bureaus pending verification 5. UPDATE ALL SYSTEMS to reflect the removals and corrections made CONCLUSION This letter serves as formal legal notice. Your compliance is not optional but mandatory under federal law. Failure to comply will result in appropriate legal action to enforce my statutory rights.

I expect your immediate attention to this matter and full compliance within the statutory timeframes. 
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