Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
* * Experian * * XXXX XXXX XXXX XXXX TX XXXX * * Subject : Formal Dispute of Incorrect Personal Information FCRA Violations ( 15 U.S.C. 1681 ) * * To Whom It May Concern, I am writing to formally dispute * * inaccurate personal information * * on my credit file under * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * of the Fair Credit Reporting Act ( FCRA ). My credit report contains * * multiple incorrect names and addresses * *, which are * * not associated with me * * and may indicate * * fraudulent activity or mixed-file errors * *. 

# # # * * Incorrect Personal Information to Be Removed * * # # # # * * 1. Incorrect Names & Associated Account Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies * * do not belong to me * * and must be * * deleted immediately * * to prevent further harm to my creditworthiness. 

-- - # # # * * Legal Basis for Dispute * * # # # # * * 1. Violation of FCRA Accuracy Requirements ( 15 U.S.C. 1681e ( b ) ) * * - Under * * 1681e ( b ) * *, Experian must * * follow reasonable procedures to ensure maximum possible accuracy * *. 
- The inclusion of * * aliases and addresses not tied to my identity * * violates this provision. 

# # # # * * 2. Failure to Reinvestigate ( 15 U.S.C. 1681i ( a ) ) * * - Upon dispute, Experian must * * conduct a reasonable investigation * * within * * 30 days * * and * * correct or delete unverified information * *. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) * * CRAs must verify disputed information with * * original sources * *. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ) * * Failure to correct inaccuracies is a * * willful FCRA violation * *. 

# # # # * * 3. UCC Article 9 & Identity Protections * * - * * UCC 9-102 ( a ) ( 28 ) * * defines " debtor '' as the * * legal obligor * *, meaning credit reporting must align with * * true legal identity * *. 
- * * UCC 1-201 ( b ) ( 27 ) * * requires * * proper identification * * in financial records. 
- * * Reporting false aliases breaches UCC compliance * *, potentially invalidating associated debts. 

-- - # # # * * Demand for Immediate Action * * Per * * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) * *, Experian must : 1. * * Delete all incorrect names and addresses * * within * * 30 days * *. 
2. * * Provide a corrected credit report * * confirming removal. 
3. * * Notify all furnishers ( XXXX XXXX XXXX ) * * of the dispute results. 

-- - # # # * * Consequences of Non-Compliance * * Failure to correct these inaccuracies will result in : - A * * CFPB complaint * * ( consumerfinance.gov/complaint ). 
- A * * lawsuit for willful negligence * * under * * 15 U.S.C. 1681n * *, seeking : - * * Statutory damages ( {$100.00} {$1000.00} per violation ) * * - * * Punitive damages * * - * * Attorneys fees * *

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