Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : URGENT : Formal Dispute & Demand for Immediate Deletion - Multiple Accounts - Violations of FCRA, Identity Theft Victim, and Failure to Properly Investigate RE : Credit Report Complaint ID XXXX To Whom It May Concern : This letter serves as a formal notification of inaccuracies and a demand for immediate deletion of the following accounts listed on my credit report, due to violations of the Fair Credit Reporting Act ( FCRA ) and the irreparable damage these accounts are causing to my creditworthiness : * 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 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  Grounds for Dispute and Demand for Immediate Deletion : XXXX. Inaccurate Payment History & Lack of Verification ( Student Loans- 15 USC 1681c-2, 605B, 615 ( f ), 623 ( a ) ( 6 ) ) : The payment history reported for the XXXX XXXX XXXX  student loans is demonstrably false, incomplete, and inaccurate. These reports are inconsistent across the three major credit bureaus, proving their unreliability. I demand immediate deletion of these accounts under 15 USC 1681c-2, 605B, 615 ( f ), and 623 ( a ) ( 6 ) due to the inability to maintain accurate and verifiable records.

2. Failure to Conduct Reasonable Reinvestigation & Demand for Procedural Information ( 15 USC 1681i ) : Experian 's ( and likely your own ) reinvestigation process is demonstrably inadequate. Experian 's response to my CFPB complaint ( provided below ) highlights a clear failure to conduct a * reasonable * reinvestigation as required by 15 USC 1681i. Simply contacting the furnisher and accepting their verification without independent investigation is not sufficient.

I DEMAND, pursuant to 15 USC 1681i, that you provide the following information immediately for each disputed account : * The method used to verify the information.

* All documentation reviewed to verify the dispute.

* The name and contact information of the individual ( s ) who performed the verification.

* A detailed explanation of how the disputed information was determined to be accurate.

Failure to provide all of the requested information within the legally mandated timeframe will be construed as an admission that the disputed information can not be verified and must be deleted immediately. A simple " breakdown of charges '' is not sufficient verification. 

XXXX. Identity Theft & Data Breach Victim : I am a victim of identity theft, as documented in police report case number XXXX. I was also affected by a major credit bureau data breach and received compensation related to actions taken by the CFPB against XXXX XXXX and XXXX. These factors significantly increase the risk that inaccurate information has been fraudulently placed on my credit report. 

4. Violation of Privacy Rights ( 15 USC 1681 Section 602 & 604 ) : My federally protected rights to privacy and confidentiality under 15 USC 1681 Sections 602 ( A ) and 604 ( A ) ( 2 ) have been violated. You are furnishing accounts without my written instruction, which is a direct violation of federal law.

5. Obsolete Information ( 15 USC 1681c ( a ) ( 5 ) ) : To the extent that any of the listed accounts contain adverse information that antedates this report by more than seven years, I demand their immediate deletion under 15 USC 1681c ( a ) ( 5 ).

6. Furnishing Inaccurate Information ( 15 USC 1681s-2 ( A ) ( 1 ) ) : Data furnishers are prohibited from providing information they know or have reason to believe is inaccurate. Given the inconsistencies and inaccuracies detailed above, they have violated 15 USC 1681s-2 ( A ) ( 1 ).

7. Impact on Creditworthiness : The presence of these inaccurate and unverifiable accounts is causing significant damage to my creditworthiness, resulting in denials of credit cards, auto loans, and higher interest rates. This is a direct consequence of your negligence in following compliance procedures under the FCRA.

Experian CFPB Complaint Response : As evidence of the inadequate reinvestigation process, I include the response I received from Experian to my CFPB complaint : Company 's Response Thank you for submitting XXXX XX/XX/year>, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered theinformation you have supplied through the CFPB portal and directly to Experian. In your complaint, you are requesting to have an account ( s ) removed from your credit report. Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for the disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). The result summary was sent to you for review. According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information and send you the results. In some instances, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. If you question the results of our dispute process, you may also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number ( if available ). For more details, please visit Experian.com/disputeprocess. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a XXXX statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher who verified that information. Please note that accurate information can not be deleted. Potentially negative items, such as missed or late payments, remains on the personal credit report for seven years from the date of the original missed payment. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you XXXX visit : XXXX XXXX XXXX  Thank you for submitting your dispute through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.

This response demonstrates a clear failure to conduct a thorough and independent investigation, relying solely on the furnisher 's verification. This is unacceptable and constitutes a direct violation of the FCRA.

Demand for Validation ( Not Just Verification ) : I am not simply requesting verification of the information on the accounts. I am demanding validation of the debt itself. Provide me with copies of the original signed contracts that prove I am legally obligated to pay these debts. A simple itemization of charges is insufficient. I need to see my wet signature on legally binding agreements.

Legal Recourse : Be advised that if these accounts are not permanently deleted within 10 days from the date of this letter, and if you fail to provide the requested procedural information within the same timeframe, I will pursue all available legal remedies, including but not limited to filing a lawsuit for damages related to your violation of the FCRA, negligence, and the irreparable harm caused to my creditworthiness. 

Sincerely, XXXX 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