Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Todays XXXX Dear Sir/Madam : I have wrote several letter of dispute I have been ignoring and the proper protocol was not used to determine my dispute reason permited by law I had not heard any specific actions taken to recertify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$58000.00} XXXX {$15000.00} XXXX - {$15000.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX History : XX/XX/XXXX ; XXXX Late Dates : XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$9000.00XXXX XXXX {$10000.00} - {$10000.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX History : XX/XX/XXXX ; XXXX Late Dates : XXXX ( See status ), XXXX ACCOUNT CLOSED AT CREDIT GRANTOR 'S REQUEST ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2000.00} XXXX {$2500.00} - {$2500.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX History : XX/XX/XXXX ; XXXX Late Dates : XXXX ( See status ), XXXX ACCOUNT CLOSED AT CREDIT GRANTOR 'S REQUEST XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$500.00} XXXX {$720.00} - {$720.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX History : XX/XX/XXXX ; XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX ACCOUNT PREVIOUSLY IN DISPUTE-NOW RESOLVED-REPORTED BY XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$500.00} REV {$600.00} - {$0.00} XXXX - - - CHARGE OFF XXXX PROFIT AND LOSS WRITEOFF ; ACCOUNT PAID IN FULL FOR LESS THAN THE FULL BALANCE XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1500.00} XXXX {$600.00} XXXX {$0.00} - XXXX XXXX XXXX XXXX CHARGE OFF XXXX History : XX/XX/XXXX ; XXXX NOW PAYING XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$47000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX History : XX/XX/XXXX ; -- -- -- -- -- -- -- -- -- -- XXXX Late Dates : XXXX, XXXX, XXXX XXXX XXXXXXXX DISPUTE RESOLVED-CONSUMER DISAGREES XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$30000.00} XXXX  {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PAID CHGOFF XXXX History : XX/XX/XXXX ; XXXX Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$17000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX History : XX/XX/XXXX ; -- -- -- -- XXXX Late Dates : XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$31000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX History : XX/XX/XXXX ; -- -- -- XXXX Late Dates : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$13000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX CHARGE XXXX XXXX History : XX/XX/XXXX ; XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX PURCHASED BY ANOTHER LENDER ; SOLD TO XXXX XXXX XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to recertify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a proper dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission. 

PLEASE FIND ATTACHED MY FTC REPORT Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL 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