Consumer complaint received 2025-04-06 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: TX

Complaint narrative:
Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION To Whom It May Concern, Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found that it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. $ 1681a ( f ), you are governed by the Fair Credit Reporting Act ( 'FCRA '' ). 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalid information reporting of their consumer file. The FCRA states that the consumer reporting agencies are responsible for ensuring that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in assembling, evaluating, and disbursing information concerning consumers to furnish consumer reports, as defined in 15 U.S.C. {$1600.00} ( d ), to third parties.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1 ) Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., Burke v. Experian Info. Sols., Inc. , 2011 WL 1085874, at *4 ( E.D. Va. Mar. 18, 2011 ) ( breaking down the requirements of 1681e ( b ), and explaining that " assure ' means 'to make sure or certain : put beyond all doubt, '' ' [ maximum ' means the 'greatest in quantity or highest degree attainable [, ] ' and 'possible ' means something falling within the bounds of what may be done, occur or be conceived. '' ( quoting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ) ; XXXX ) Comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) Should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C. 1681b ; 4 ) Provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of the accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report.

For your convenience, I am sending you a list of the items you need to verify. These listed accounts are neither my debts nor my authorized inquiries.

Please correct this by removing these items from my consumer report. See. Exhibit A.

Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the accounts/items I am disputing, as well as the name and contact information of the agent conducting the said investigation, in case further communication is necessary.

I know that your company will need some sort of verification to prove my identity. My information is
clearly shown below : FULL NAME : XXXX XXXX XXXX SOCIAL SECURITY NUMBER : DATE OF BIRTH : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX PHONE NUMBER : XXXX EMAIL : XXXX Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX XXXX ENCLOSED ARE THE FOLLOWING THREE DOCUMENTS THAT VERIFY MY IDENTITY EXHIBIT A I hereby dispute these derogatory accounts and request the following items be thoroughly investigated and deleted from my consumer report, please see below : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$37000.00} Remove this address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX, TX XXXX Remove this address XXXX XXXX XXXX XXXX XXXX XXXX TX 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