Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifaxXXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate Information under FCRA  15 U.S.C.  1681o\n\nDear Equifax,\n\nI am writing to formally dispute certain inaccurate information appearing on my credit report, which I obtained from your bureau on [Date of Report or Retrieval]. The information listed below is inaccurate and needs to be corrected or removed promptly:\n\nAccount Name: XXXX\n\nAccount Number: [Last 4 digits or full if necessary]\n\nNature of Dispute: This account does not belong to me\n\nUnder the Fair Credit Reporting Act (FCRA), I have the right to dispute information I believe is inaccurate or incomplete. Specifically, 15 U.S.C.  1681o establishes that consumer reporting agencies are liable for negligent noncompliance with the FCRA, resulting in damages suffered by consumers. As such, I am requesting an immediate reinvestigation of the information I have identified, as required by 15 U.S.C.  1681i.\n\nAttached are copies of supporting documentation verifying my claim (such as [list documents: e.g., payment receipts, letters from creditors, court documents, etc.]).\n\nI request that this item be investigated and corrected or deleted from my credit report within the 30-day timeframe allowed under federal law. If this matter is not resolved promptly and accurately, I am prepared to pursue all available remedies under the FCRA, including seeking damages for negligent noncompliance under 15 U.S.C.  1681o.\n\nPlease send me a written response regarding the outcome of your reinvestigation. Thank you for your prompt attention to this matter.\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate of Birth: XXXX XXXXEquifax Information Services LLC\nXXXX XXXX XXXX XXXX XXXXXXXXSubject: Request to Remove Inaccurate Credit Information\n\nTo Whom It May Concern:\n\nUpon reviewing my credit report, I have identified the following item(s) that are incorrect:\n\n1. The following personal information is incorrect\n    \n        Former: XXXX XXXX XXXX. The following personal information is incorrect\n    \n        Former: XXXX XXXX XXXX. The following personal information is incorrect\n    \n        FormerXXXX XXXX XXXX XXXX. The following personal information is incorrect\n    \n        Also Known As: XXXX XXXX XXXX. The following personal information is incorrect\n    \n        Also Known As: XXXX XXXX XXXX The following personal information is incorrect\n    \n        Previous Address(esXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect\n    \n        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect\n    \n        Previous Address(es)XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The status is incorrect for the following account\n    XXXX XXXX XXXX XXXX     Account Number: XXXXXXXX     Please correct/update this inaccurate information on my credit report.\n\n10. The status is incorrect for the following account\n    XXXX    Account Number: XXXX    Please correct/update this inaccurate information on my credit report.\n\n11. The following account is not mine\n XXXX XXXXn    Account Number: XXXX    Please remove it from my credit report.\n\n12. The following account is not mine\n    SXXXX XXXX     Account Number: XXXX     Please remove it from my credit report.\n\n13. The wrong amount is being reported\n    XXXXXXXX    Account Number: XXXX    Please correct/update this inaccurate information on my credit report.\n\n14. The status is incorrect for the following account\n    XXXX XXXX    Account Number: XXXX\n    Please correct/update this inaccurate information on my credit report.\n\n\nIn accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my report. As per my understanding, it is your responsibility to verify these items with the relevant creditor. Please eliminate any information that cannot be verified by the creditor. I am aware that under 15 U.S.C. Sec. 1681i(a), you are required to complete this reinvestigation within 30 days of receiving this letter.\n\nPlease send an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Furthermore, I kindly request that you notify anyone who has received my credit report in the past six months of any corrections made.\n\nThank you for your attention and assistance in resolving this matter.\n\nYours sincerelyXXXX 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