Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute of Inaccurate/Unverifiable Information Experian Credit File Report Number : XXXX | Report Date : XX/XX/XXXX | XXXX : XXXX | To Whom It May Concern, This cover letter accompanies my enclosed disputes pursuant to the Fair Credit Reporting Act ( FCRA ). I am asserting my rights under FCRA 602A, 607 ( b ), 609 ( a ), 611, 623, and 605/605B. The items listed below are being disputed as unverifiable, inaccurate, incomplete, and potentially unauthorized. If you can not verify each item with original source documentation, you must delete it from my file within 30 days of receipt. 
Disputed Items ( Experian ) : XXXX XXXX XXXX Auto loan, charge-off reported ; Account # : XXXX ; Status history shows charge-off with repossession indications. Demand reinvestigation with original contract, full payment ledger, and repossession/deficiency documentation. 
XXXX XXXX XXXX XXXX repossession reported ; Account # : XXXX ; Continuous repo status since XXXX. Provide original retail installment contract, notice of default, right-to-cure, sale/auction records, and deficiency calculation or delete. 
XXXX XXXX XXXX ( XXXX. Creditor : XXXX XXXX ) Collection ; Account # : XXXX ; Provide chain of title/bill of sale, complete itemization, and original XXXX service agreement authorizing the debt or delete. 
XXXX XXXX XXXX ; Account # : XXXX ; Provide service agreement, itemized statements, and evidence of authorization/assignment ; otherwise delete as unverifiable/incomplete. 
XXXX XXXX XXXX XXXXXXXX XXXX Secured loan ; Account # : XXXX ; Incorrect 30day late notation in XXXX on an account reported paid/closed. Correct to paid as agreed or delete the tradeline. 
Please conduct a reasonable reinvestigation under FCRA 611 and provide the method of verification per 611 ( a ) ( 6 ) ( B ) ( iii ) and the underlying documentation per 609 ( a ). If any furnisher can not provide competent evidencesuch as a signed original agreement, complete account-level history, lawful assignment/chain of title, and, where applicable, repossession and deficiency paperworkyou must permanently delete the item ( s ).

This letter imposes a 30day deadline from receipt. Noncompliance may constitute willful or negligent violations under FCRA with remedies available, and I reserve all rights.

Enclosures : Copy of governmentissued photo ID Proof of current address ( utility bill/bank statement ) Highlighted copy of Experian report showing disputed entries Individual dispute letters for each item ( Experian + furnisher copies ) Sincerely, XXXX XXXX ID Security Alert previously placed ; please honor and verify identity before any credit extensions.

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