Consumer complaint received 2025-04-02 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: NV

Complaint narrative:
This is a formal dispute and request for reinvestigation regarding several inaccurate and unverifiable items on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), you are legally obligated to ensure that all information reported is 100 % accurate, verifiable, and complete. If you can not provide documentation proving the accuracy of the disputed items, you are required to delete them immediately under FCRA 1681i ( a ) ( 5 ).

I previously submitted a dispute regarding these items, and you have failed to provide verification within the legally required timeframe. This is a direct violation of FCRA 611 ( a ) ( 1 ) ( A ), and continued non-compliance may result in legal action against your bureau.

Disputed Late Payments Violation of FCRA 1681s-2 ( a ) ( 1 ) ( B ) Late payments must be reported accurately and consistently by data furnishers. If the payment history is incorrect or unverifiable, the account must be updated or deleted. The following accounts contain discrepancies XXXX XXXX XXXX XXXX XXXX The reported late payments are inconsistent across bureaus. Provide documentation proving the accuracy of these reports. 
XXXX XXXX XXXX XXXXXXXX The payment history reported is conflicting. If this can not be verified, it must be corrected or removed. 
XXXX XXXX XXXX XXXXXXXX The same account appears twice with different reporting details. This is a clear FCRA violation. 
XXXX XXXX XXXX XXXX XXXXXXXX The late payments reported do not align with the account 's payment history. Investigate and correct. 
XXXX XXXX XXXX XXXXXXXX The reported delinquency has not been validated with proper documentation. 
XXXX XXXX XXXX XXXXXXXX The dates of late payments are not consistent across my reports. Provide documentation or remove this entry. 
LEGAL DEMAND : If the data furnishers can not provide supporting documents proving the legitimacy of these late payments, they must be deleted immediately under FCRA 1681i ( a ) ( 5 ).

Disputed Collection Accounts Violation of FCRA 609 ( a ) ( 1 ) and FDCPA Collection accounts must be fully validated, including original creditor agreements and a full breakdown of the balance owed. If the debt collector can not verify the debt per FCRA 609 ( a ) ( 1 ) and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), the account must be deleted. 
XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) # XXXX No signed agreement or original contract has been provided. Failure to validate requires immediate deletion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX This account was never validated. Provide a copy of the original signed contract proving I owe this debt, or remove it immediately. 
LEGAL DEMAND : Under FDCPA 809 ( b ), I have the right to request validation of these debts. If the collection agencies can not produce proper documentation, these accounts must be deleted from my credit report.

Disputed Hard Inquiries Violation of FCRA 604 ( a ) ( 2 ) A hard inquiry can only be placed on my credit report with my explicit written consent for a credit application. If you can not prove that I authorized these inquiries, they must be removed immediately under FCRA 604 ( a ) ( 2 ). 
XXXX XXXX XXXX XXXXXX/XX/XXXX No record of an authorized credit application. 
XXXX. XXXX XXXX XX/XX/XXXX I did not apply for credit with XXXXXXXX XXXX on this date. 
XXXX. XXXX XXXX XXXXXX/XX/XXXX No permissible purpose for this inquiry. 
XXXX. XXXX XXXX XX/XX/XXXX This inquiry was made without my authorization. 
XXXX. XXXX XX/XX/XXXX No documentation proving permissible purpose. 
LEGAL DEMAND : If you can not produce my signed authorization for these hard inquiries, they must be deleted immediately under FCRA 604 ( a ) ( 2 ). 
Immediate Action Required Since you have failed to properly investigate my dispute, I am requesting : Immediate deletion of unverifiable late payments per FCRA 1681i ( a ) ( 5 ) Removal of collection accounts that lack validation per FCRA 609 ( a ) ( 1 ) Deletion of unauthorized inquiries per FCRA 604 ( a ) ( 2 ) An updated credit report reflecting these corrections If you do not comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of federal law. I expect a written response within 15 days, including supporting documentation for any items that remain on my report. 
Sincerely, XXXX 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