Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I am writing to formally dispute items again on my credit report that were recently verified as accurate by the credit reporting agency, despite evidence to the contrary. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), when an item is disputed, the credit reporting agency must conduct a reasonable reinvestigation, including review of all relevant information provided by the consumer. 



What would be a fair resolution to this issue? ( Copy and Paste ) In this case, the following items were reported as verified as accurate after my dispute : XXXX XXXX XXXX  {$480.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$4700.00} XXXX XXXX  {$1300.00} XXXX XXXXXXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$2500.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX {$16000.00} XXXX XXXX XXXX  {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$810.00} However, I believe that the verification process was incomplete or inaccurate, and the items in question are in violation of the provisions set forth under the FCRA. Specifically : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The creditors failed to provide adequate documentation to substantiate the accuracy of these items. 

- The credit reporting agency did not fully investigate the accuracy of the disputed items based on the information provided by the creditors during my dispute. 



As a result, I am requesting the immediate deletion of the above-listed items from my credit report. The continued reporting of this inaccurate information is causing harm to my credit profile and violates my rights under the FCRA. 



In accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I demand that these items be removed from my credit report, as they have been reported inaccurately, and the verification process failed to meet the statutory requirements. 



Please let me know the next steps in resolving this issue, and do not hesitate to contact me should you require any further information. 



Thank you for your attention to this matter. 



This notice is to inform you that you are unlawfully reporting an unauthorized inquiries on my consumer report. I have not given any of the companies listed above permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. If you think I did make these inquiries, then please provide me with the proof including my signature authorizing each inquiry. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. Each of these companies has knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my consumer report on the dates listed below without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of these companies for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Please let me know the next steps in resolving this issue, and do not hesitate to contact me should you require any further information. Thank you for your attention to this matter.

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