Consumer complaint received 2025-04-24 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: SC

Complaint narrative:
This is my third formal attempt to dispute and correct the inaccuracies on my credit report. I have cooperated in good faith, but despite XXXX previous submissions, these disputed items continue to remain inaccurately verified or completely ignored. I am now escalating my efforts under the rights granted to me by the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. 
Below are the items I dispute once again, with supporting legal justification and an urgent request for final resolution : ________________________________________ Disputed Accounts : XXXX. DEPT OF EDUCATION / XXXX Accounts Account Numbers : # XXXX ( Multiple ) Balances : {$1000.00} | {$600.00} | {$2200.00} | {$1200.00} Status : Late Payments Issue : These accounts were affected during a period of extreme financial hardship and public policy changes. Many federal student loan programs were placed under XXXX forbearance, and many borrowersincluding myselfdid not receive clear communication from servicers like XXXX. 
FCRA Violation : Section 607 ( b ) : Requires maximum possible accuracy Section 611 : Right to dispute and reinvestigation Section 609 ( a ) ( 1 ) ( A ) : Right to view all data used in reporting Action Requested : Please remove all late payments from these Department of Education accounts. They are either inaccurately reported or based on periods that fall under federal protections. 
Emotional Appeal : As someone working hard to recover from financial hardship and rebuild my future, these reported lates are deeply unjust. My student loans were supposed to help me build a better lifenot ruin my credit due to flawed reporting. These errors are blocking me from accessing stable housing and essential financial tools. 
________________________________________ XXXX. XXXX # XXXX Status : Charge Off Issue : I do not recall opening this XXXX account. I requested validation previously and received no documentation proving ownership. 
FCRA Violation : Section 609 ( a ) : You must provide documentation on request Section 611 : Failure to verify requires deletion Action Requested : Provide full documentation proving I opened and defaulted on this account. If not available, remove the charge-off immediately. 
________________________________________ XXXX. XXXX XXXX XXXX # XXXX Status : Collection Verified Issue : I have asked for the original creditor, dates of service, and signed agreement. This has not been provided. 
FCRA Violation : Section 611 & 609 ( a ) ( 1 ) ( A ) : Must reinvestigate and disclose source information Section 623 ( a ) ( 8 ) : A furnisher must conduct a full reinvestigation if notified of inaccuracy Action Requested : Delete this item if full validation, including account origination details and contract signatures, is not provided within 15 days. 
________________________________________ XXXX. XXXX XXXX XXXX ( Reference # XXXX ) Status : Public Record XXXX Issue : Bankruptcies are often reported from third-party vendors like XXXX or XXXX, not directly from the court, which violates FCRA accuracy standards if not verified at the source. 
FCRA Violation : Section 609 ( a ) ( 2 ) : Must verify from an original source FTC Guidelines : Credit bureaus must be able to validate directly with the court Action Requested : Provide source documentation from the court verifying this public record, or remove it from my credit file. 
________________________________________ Final Note : Under the Fair Credit Reporting Act, you are required to : Reinvestigate disputed items within XXXX  days Provide documentation upon request Delete unverifiable or inaccurate information If I do not receive a satisfactory resolution within XXXX  days, I will consider filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing my rights under the FCRA. 
Please treat this matter with the seriousness and urgency it requires. 
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