Consumer complaint received 2025-01-05 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:
RE : Error in some of my accounts XXXX, XXXX & Experian I have received a current credit report from your organization. Soon after investigating the various records, it is clear that the following accounts appear with no regard for accuracy as necessary by the Fair Credit Reporting Act. 

Creditor Information : XXXX  Account ID : XXXX Amount : {$9100.00} Description : As you learnt, by law, certain data in my report must be undistorted and verifiable. 

XXXX XXXX XXXX XXXX  Account ID : XXXX Amount : {$0.00} Description : As you notice, by regulation, some data in my history must be correct and verifiable. 

XXXXXXXX XXXX Account ID : XXXX Amount : {$0.00} Description : As you learnt, by legislation, some data in my archives must be factual and verifiable. I don't consider that the DATE OF LAST ACTIVITY information is correct so it should be right and established or destroy without hesitation from my track record. 

I'm actually worried about the consequences of this error given that I'm within the process of asking for a loan. 

I am asking to have these inaccuracies corrected as soon as possible, per my rights under the FCRA and Metro 2 guidelines.

According to the Fair Credit Reporting Act, you must conduct an adequate investigation when consumer disputes information on their credit report. Additionally, Metro 2 rules state that the data furnishers must provide accurate, complete, and up-to-date information to credit bureaus.

Moreover, should you be unable to verify the accuracy of these items, Metro 2 rules and FCRA require you to delete these from my credit record quickly.

I kindly request that you investigate the following discrepancies : 1. *Section 609 : * - I assert my right to obtain a copy of my credit report. Please provide a free copy at your earliest convenience.

2. *Section 611 : * - I am disputing inaccuracies in my credit report. Under Section 611, I request a thorough investigation into the disputed items to ensure the accuracy of the information.

3. *Section 605 : * - I want to highlight that negative information on my credit report should adhere to the permissible reporting duration outlined in Section 605. Please review and ensure compliance.

4. *Section 623 : * - According to Section 623, I expect furnishers of information to diligently investigate the disputed items. I urge you to work with them to resolve these discrepancies promptly.

I regardfully ask some instrument that carry my signature on this account, or the items must be deleted from your report within the next 30 days.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Also, be advised that the description of the procedure utilised to decide the accuracy and completeness of the info is hereby requested too, to be provided within fifteen ( 15 ) days of the completion of your investigation.

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