Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
Recently, I conducted a review of my credit report and identified several items that are inaccurate.

Under 15 U.S. Code 1681e ( b ) - Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 U.S. Code 1681i ( 5 ) - Treatment of Inaccurate or Unverifiable Information : ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In light of the above statutes, I kindly request the immediate removal of the following items from my credit report : Experian : : : : : : : : : : : : : 1. " Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Closed/Charged Off {$17000.00} XX/XX/XXXX '' 2. " Account Name : XXXX XXXX XXXX XXXX Original creditor : XXXX Account # XXXX {$4100.00} XX/XX/XXXX '' 3.Collection : Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account # : XXXX Balance : {$11000.00} XXXX XXXX Transunion : : : : : : : : : : : 1. " Closed Account Name : XXXXXXXX XXXX Account # XXXX {$17000.00} XX/XX/XXXX " 2. " Closed Account Name : XXXXXXXX XXXX  Account # XXXX {$17000.00} XX/XX/XXXX " 3. " Account Name : XXXX Original creditor : XXXX XXXX Account # XXXX {$4100.00} XX/XX/XXXX '' Equifax : : : : : : : : : : : : : : 1. " Account Name : XXXX XXXX XXXX Closed/Charged Off Account # XXXX {$17000.00} XX/XX/XXXX " 2. XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX {$4100.00} XX/XX/XXXX '' 3.Collection : Account Name : XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX Account # : XXXX Balance : {$11000.00} XX/XX/XXXX Following a thorough review of my credit report, I have identified several items that are inaccurate and potentially linked to identity theft. In accordance with federal consumer protection laws, I am submitting this formal dispute requesting immediate action to rectify these inaccuracies. 
Key Legal Provisions : Under 15 U.S. Code 1681e ( b ) - Compliance Procedures, consumer reporting agencies are legally obligated to employ reasonable procedures to ensure the maximum possible accuracy of information contained in consumer reports. Any failure to meet this obligation resulting in inaccuracies constitutes a violation of this statute.

More importantly, pursuant to 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of Inaccurate or Unverifiable Information : ( A ) If, upon reinvestigation of any information disputed by a consumer, the information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : ( i ) promptly delete the information from the consumer 's report ; and ( ii ) notify the furnisher of the disputed information regarding the deletion.

It is imperative to emphasize that deletion is a mandatory requirement when the information can not be verified or is deemed inaccurate. Correction or modification of the information only applies if it can be substantiated through reliable and verifiable sources. Thus, deletion must be prioritized in cases such as mine, where inaccuracies are apparent and verifiability is compromised.

Furthermore, under 15 U.S. Code 1681c - Requirements Relating to Information Contained in Consumer Reports, outdated or unverifiable information must be excluded from consumer reports, ensuring that only accurate and current data is presented

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