Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
I've requested for a full investigation, and removal on all disputed reoccurring old closed and charge off accounts, wrong information and old addresses attached to expired accounts, and unknown accounts, etc. 

In addition, My children and I received a notification from XXXX XXXX XXXX XXXX that all of our sensitive information was leaked, stolen, and/or hacked within their database. I did contact the credit bureaus to inform them of this information as well. Recently I was informed of another nationwide data leak and/or hack. I'm not sure as to how long my information had been exposed, however I am finding accounts that is not recognizable on my credit report. I tried online disputing with Experian but all is still reflecting. 


XXXX XXXX XXXX Assistance Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Request for Verification Under 15 U.S.C. 1681i To Whom It May Concern : I am writing to formally dispute the reporting of inaccurate and outdated information on my credit report, specifically the account identified as : Creditor : XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Account Number : XXXX Report Number : Amount {$6900.00} ( written off/ CLOSED ) Date Opened XX/XX/XXXX Creditor/ DEBT BUYER : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX MN XXXX Account Number : XXXX Report Number : XXXX Amount {$750.00} Date STATUS UPDATED XX/XX/XXXX Creditor : XXXX Address : XXXX XXXX, PA XXXX Account Number : XXXX Report Number XXXX Amount {$0.00} Original Balance {$4000.00} ( written off/ CLOSED ) Date Opened XX/XX/XXXX XXXX XXXX Address : Account Number : XXXX Report Number : Amount {$0.00} Original Balance {$2600.00} ( written off/ CLOSED ) Date STATUS UPDATED XX/XX/XXXX Creditor : XXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX, MA XXXX Account Number : XXXX Report Number : Amount {$85.00} XXXX Opened XX/XX/XXXX Creditor : XXXX XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX, MA XXXX Account Number : XXXX Report Number : Amount {$77.00} Date Opened XX/XX/XXXX This account has been placed on my credit report without prior knowledge or the opportunity to validate its legitimacy. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate and thorough investigation into the accuracy of this information, as Experian has failed to properly investigate my prior disputes regarding this account. 
Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation of disputed information within 30 days of notification unless an extension is granted under specific circumstances. Furthermore, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) mandates that if the investigation does not result in confirmation of the disputed information, Experian must delete the inaccurate information from my credit report.

Despite my previous disputes, the following errors persist on my credit report : Reporting of closed and charged-off accounts beyond the allowable time frame under 15 U.S.C. 1681c ( a ). 
Unrecognizable accounts with insufficient documentation to confirm their accuracy. 
Failure to remove or correct outdated and inaccurate information.

Under 15 U.S.C. 1681i ( a ) ( 4 ), Experian is required to review and consider all relevant information I have provided. Additionally, I am invoking my rights under 15 U.S.C. 1681s-2 ( b ), which requires data furnishers to conduct their own investigation when notified of a dispute.

I demand that Experian provide : Documentation of the investigation procedures used to verify the disputed account. 
Evidence supporting the accuracy and validity of the XXXX account. 
Immediate correction or removal of any inaccurate or unverifiable information, as required under 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to resolve this matter within the timeframes outlined by the FCRA, I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I may seek damages for noncompliance as allowed under 15 U.S.C. 1681n and 15 U.S.C. 1681o.

I look forward to your prompt response. Please provide a detailed explanation of the actions taken regarding this dispute, including any supporting documentation. You may contact me using the information provided above. 
Thank you for your immediate attention to this matter. 
Sincerely,

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