Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXX To : XXXX Dot XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Formal Dispute of Account Reporting Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information your company is reporting to Experian regarding the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am exercising my rights as a consumer to request verification and correction of inaccurate information. 

Dispute Summary : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Secured Card Date Opened : XX/XX/XXXX Status : Paid, Closed Payment History : 30 days past due ( XX/XX/XXXX ), 60 days past due ( XX/XX/XXXX ) Basis of Dispute : XXXX. Address Mismatch : The address listed for this account does not match my current or any prior addresses. I have no association with the address on record with your company : XXXX XXXX XXXX, XXXX XXXX, OH XXXX My verified address is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are required to provide accurate information. Reporting an account that is not correctly associated with my address violates this provision.

2. Failure to Ensure Accuracy : As the furnisher of this information, you are required under FCRA 1681s-2 ( b ) to promptly investigate disputed information, review all relevant evidence, and report the results back to the consumer reporting agencies. If the information is found to be inaccurate or unverifiable, you are legally obligated to correct or delete it.

3. Failure to Validate Ownership : Please provide documented proof that this account is indeed associated with me, including the original application, any signed agreements, and all address records tied to this account. Without this verification, the reporting of this account constitutes a violation of FCRA 1681e ( b ), which mandates maximum possible accuracy.

Action Requested : I am requesting the following : Immediate investigation of this disputed account.

Provision of full account documentation proving my ownership and the accuracy of all reported information, including address records.

Immediate correction or deletion of this account from all consumer reporting agencies if you are unable to verify the accuracy.

Please note that failure to comply with these requirements may result in further action, including a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential legal remedies as allowed under the FCRA. 

Please provide a written response to this dispute within 30 days of receipt as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA 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