Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what you have on file for me doesn't match what's listed, then there are problems with either your records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently. 
I am contacting you regarding the inaccurate reporting of the account XXXX with number XXXX on my credit report. According to your records, this account is currently listed as XXXX, opened on XXXX, with a date of last activity recorded as XXXX, and last verified on XXXX. This information is incorrect, and I am requesting the immediate deletion of this account from my credit report. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain and report only accurate information. I also request that you provide me with the specific documentation used to verify this account, along with evidence supporting the {$7500.00}, as I firmly dispute this amount. The significance of ensuring accurate reporting was notably emphasized in XXXX v. XXXX Bank of Massachusetts, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ). In this case, the court found that failing to conduct a reasonable investigation into disputed accounts was a violation of the FCRA, resulting in damages awarded to the plaintiff. This ruling underscores your obligation to ensure the accuracy of the information reported about my account. Furthermore, in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court highlighted that credit reporting agencies must promptly remove information that is inaccurate or can not be verified. This case establishes a clear precedent that unverifiable information, such as the incorrect details on my report, must be corrected or deleted. 
Considering these legal precedents, I urge you to take immediate action to investigate and rectify this matter, as required by federal law. 
I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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