Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Relations Department Subject : Fourth Request for Re-Investigation and Correction of Credit Report Inaccuracies To Whom It May Concern, I am writing to express my complete dissatisfaction with your prior investigation responses concerning my credit report. Despite my repeated disputes, the erroneous and damaging items listed below remain uncorrected. This is my fourth attempt to resolve these issues, and I insist on an immediate and thorough re-investigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These inaccuracies continue to unjustly impair my creditworthiness, and I demand their prompt removal or correction as required by law. 
Below are the specific items I contest, along with my requests for resolution : Unauthorized Inquiry Entity : XXXX XXXX Date of Inquiry : XX/XX/XXXX Action Requested : Remove this inquiry from my credit report immediately, as I did not authorize it. 
Unauthorized Inquiry Entity : XXXX XXXX Date of Inquiry : XX/XX/XXXX Action Requested : Remove this inquiry from my credit report immediately, as I did not authorize it. 
Incorrect Late Payment Entity : XXXX XXXX XXXX Account Number : XXXX Issue : Reported late payment is inaccurate ; I have never been late on this account. 
Action Requested : Update the payment status to reflect accurate, on-time payments. 
Fraudulent Account Entity : XXXX XXXX XXXX Account Number : XXXX Issue : This account is fraudulent and appears only on your bureaus report. 
Action Requested : Remove this account from my credit report immediately under FCRA 1681c-2. 
Incorrect Personal Information Former Name : XXXX XXXX XXXX XXXX Requested : Correct this inaccurate personal information on my credit report. 
Incorrect Personal Information Former Name : XXXX XXXX XXXX Action Requested : Correct this inaccurate personal information on my credit report. 
Incorrect Personal Information Former Name : XXXX XXXX XXXX Action Requested : Correct this inaccurate personal information on my credit report. 
Incorrect Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX, MS XXXX Action Requested : Remove or correct this inaccurate address from my credit report. 
Unauthorized Inquiry Entity : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Action Requested : Remove this inquiry from my credit report immediately, as I did not authorize it. 
Unauthorized Inquiry Entity : XXXX XXXX Date of Inquiry : XX/XX/XXXX Action Requested : Remove this inquiry from my credit report immediately, as I did not authorize it. 
Unauthorized Inquiry Entity : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Action Requested : Remove this inquiry from my credit report immediately, as I did not authorize it. 
Unauthorized Inquiry Entity : XXXX XXXX Date of Inquiry : XX/XX/XXXX Action Requested : Remove this inquiry from my credit report immediately, as I did not authorize it. 
Unauthorized Inquiry Entity : XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Action Requested : Remove this inquiry from my credit report immediately, as I did not authorize it. 
Unauthorized Inquiry Entity : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Action Requested : Remove this inquiry from my credit report immediately, as I did not authorize it. 
Unauthorized Inquiry Entity : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Action Requested : Remove this inquiry from my credit report immediately, as I did not authorize it. 
Unauthorized Inquiry Entity : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Action Requested : Remove this inquiry from my credit report immediately, as I did not authorize it. 
Incorrect Personal Information Former Name : XXXX XXXX XXXX Requested : Correct this inaccurate personal information on my credit report. 
Incorrect Personal Information Also Known As : XXXX XXXX XXXX Action Requested : Correct this inaccurate alias on my credit report. 
Incorrect Personal Information Also Known As : XXXX XXXX Action Requested : Correct this inaccurate alias on my credit report. 
Incorrect Personal Information Also Known As : XXXX XXXX Action Requested : Correct this inaccurate alias on my credit report. 
Incorrect Personal Information Previous Address : XXXX XXXX XXXX, XXXX, MS XXXX Action Requested : Remove or correct this inaccurate address from my credit report. 
Unauthorized Inquiry Entity : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Action Requested : Remove this inquiry from my credit report immediately, as I did not authorize it. 
Additional Legal Demands Under the FCRA, specifically 1681i ( a ) ( 1 ), you are obligated to conduct a reasonable re-investigation of disputed information when a consumer provides notice of inaccuracies. Your prior responses have failed to adequately address these issues, and I now invoke my rights under 1681i ( a ) ( 6 ) to demand detailed documentation of your verification process. To comply with the law, I require the following : The full names and business addresses of each individual or entity ( furnisher ) contacted to verify the disputed information. 
The specific dates on which you contacted each furnisher. 
The method of communication used ( e.g., electronic, telephone, written correspondence ) to verify the information. 
Confirmation of whether the furnisher provided my Social Security Number, address, or date of birth during verification, and if so, copies of such documentation.

Furthermore, pursuant to FCRA 1681i ( a ) ( 2 ), you must promptly notify each furnisher of this dispute and provide them with all relevant information I have submitted, including the enclosed police report for the identity theft claim. Failure to do so constitutes a violation of federal law. 
Request for Updated Report Upon completion of your re-investigation and the subsequent correction or deletion of the disputed items, I request an updated copy of my credit report be sent to my address listed above, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( ii ).

Closing Statement Your prompt and lawful cooperation is not optionalit is mandated by the FCRA. I expect a response within the 30-day timeframe stipulated under 1681i ( a ) ( 1 ) ( A ). Should these inaccuracies persist, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal remedies as afforded by FCRA 1681n and 1681o for willful and negligent noncompliance. 
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