Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Date : XX/XX/XXXX Experian XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Final Demand Removal of Inaccurate Names To Whom It May Concern : I am disputing the following false names being reported on my Experian credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct legal name is XXXXXXXX XXXX XXXX XXXXXXXX. These false identities are in direct violation of FCRA XXXX ( b ) ( failure to ensure maximum possible accuracy ). 

I have already provided valid government-issued identification ( birth certificate, SSN card ) that confirms my legal name. Reporting otherwise is fraudulent and harmful. 

Demand : Delete all false names immediately. Failure to comply will result in legal action under FCRA 616 & 617. 
Date : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX XXXX XXXX Re : Final Demand Removal of Inaccurate Addresses To Whom It May Concern : The following addresses reported on my Experian file are false and inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am currently homeless and do not maintain a permanent residence. Continuing to report these addresses is a violation of FCRA 607 ( b ) and FCRA 611 ( a ), which requires deletion of unverifiable information. 

Demand : Delete all of these addresses immediately. 

Date : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Re : Final Demand Removal of Inaccurate Employers To Whom It May Concern : My Experian file incorrectly lists the following employers : XXXX XXXX Minks XXXX XXXX These are not valid employers. My only employment is with XXXX XXXX XXXX. Reporting false employers is a violation of FCRA 607 ( b ). 

Demand : Immediately delete all incorrect employer information and update my file with only accurate, verifiable employment records. 

Date : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Re : Final Demand Removal of Inaccurate Phone Numbers To Whom It May Concern : My Experian file is reporting incorrect and outdated phone numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX The only valid number belonging to me is ( XXXX ) XXXX. 

Reporting false identifiers violates FCRA 607 ( b ). 

Demand : Delete all inaccurate phone numbers immediately. 

Date : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Re : Final Demand Removal of Unauthorized Hard Inquiries To Whom It May Concern : I am disputing the following unauthorized hard inquiries on my Experian file : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me and must be deleted. Reporting them without proof of my consent is a violation of FCRA 607 ( b ) and FCRA 611 ( a ). 

Demand : Remove all unauthorized inquiries within XXXX hours or I will escalate to the CFPB and pursue damages under FCRA 616. 

Date : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Re : Final Demand Removal of Inaccurate Late Payments ( XXXX  XXXX ) To Whom It May Concern : I am disputing the late payments being reported on my XXXX XXXXXXXX account. These entries are inaccurate, unverifiable, and damaging, and they must be removed immediately. 
XXXX. Violation of FCRA 607 ( b ) : Experian is required to maintain maximum possible accuracy in consumer files. The late payment history on this account is reported with errors and does not reflect my verified records. 
XXXX. Violation of FCRA 611 ( a ) : Once disputed, Experian is required to investigate and delete unverifiable information. XXXX XXXX has failed to provide original documentation validating these alleged late payments. 
XXXX. Violation of FDCPA 807 : Reporting late payments without proof or while failing to validate constitutes a false and misleading representation of debt. 
XXXX. Incorrect Personal Identifiers : This account is tied to incorrect names and addresses already disputed in my file, making the reported late payments further unreliable. 

Demand : All late payment notations tied to XXXX XXXX must be deleted from my Experian credit file within XXXX hours of receipt of this letter. 

Failure to comply will result in legal escalation to the Consumer Financial Protection Bureau ( CFPB ) and civil litigation under 15 U.S.C. 1681 and 1692. 

Date : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Re : Final Demand Removal of Inaccurate Late Payments ( XXXX ) To Whom It May Concern : I am disputing the late payments being reported on my XXXX account. These entries are false, unverifiable, and harmful, and must be deleted immediately. 
XXXX. FCRA 607 ( b ) : Experian is obligated to ensure accurate reporting. XXXX reported late payments are erroneous and unverifiable. 
XXXX. FCRA 611 ( a ) : Any disputed entry that can not be fully validated must be deleted. XXXX has not provided original account documentation proving these late payments. 
XXXX. FDCPA 807 : Reporting late payments without proof constitutes a false and misleading representation of debt. 
XXXX. Identity Errors : These late payments are tied to wrong names and addresses currently showing on my file, making this information unreliable and unlawful to report. 

Demand : Delete all late payment records tied to XXXX from my Experian file within XXXX hours of receipt of this letter. 

If not corrected, I will file with the CFPB and pursue legal action for statutory damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n, 1681o, and 1692k. 

This is your final notice.

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