Consumer complaint received 2025-02-27 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Inaccurate Charge-Off on Credit Report SSN XXXX Dear Experian, I am writing to formally dispute an inaccurate item on my credit report, specifically a charge-off listed under [ XXXX ]. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to ensure the accuracy of the information you report and to conduct a reasonable investigation when a consumer disputes an item. I am exercising my rights under this law to demand that you investigate and remove this erroneous charge-off from my report. 
The charge-off in question is inaccurate because NOT my account, fraud. Ive enclosed copies of [ list supporting documents, e.g., payment receipts, account statements, identity theft affidavit ] to substantiate my claim. Federal law mandates that you investigate this matter within 30 days and either correct or delete the item if it can not be verified as accurate. 

Your track record gives me little confidence that this will be handled properly without scrutiny. The Consumer Financial Protection Bureau ( CFPB ) has taken significant action against the major credit bureausEquifax, XXXX, and Experianfor failing consumers just like me. For instance, in XX/XX/XXXX, the CFPB fined XXXX {$15.00} XXXX for botching investigations into disputed items, allowing deleted inaccuracies to creep back onto reports, and even using faulty software that messed up credit scores. Earlier that month, they sued Experian for running what they called sham investigations, ignoring consumer evidence and letting errors persist. XXXX hasnt escaped, with the CFPB noting in a XXXX report that all three of you routinely top the list of consumer complaints for mishandling disputes. And thats just the tip of the iceberg. Studies and lawsuits over the yearslike the massive XXXX XXXX data breach settlement or the CFPBs XXXX fines against XXXX and XXXX for deceiving consumers about credit scoresshow a pattern of negligence. Youve been sued repeatedly for failing to fix errors, costing people jobs, loans, and peace of mind. Im not here to be another statisticI expect you to follow the law this time.

Heres what Im demanding : Conduct a thorough investigation of the charge-off from XXXX, as required by 15 U.S.C. 1681i.

Remove the item from my report if you cant verify its accuracy with solid evidencenot just some creditors say-so. 
Send me written confirmation of the results, including a corrected copy of my credit report, at no charge to me, per 15 U.S.C. 1681j.

Provide the names and addresses of anyone you contact during this investigation, so I can follow up if needed.

If you fail to resolve this properly, I wont hesitate to file a complaint with the CFPB or pursue further action. Youve got 30 days from receiving this letterdont test my patience. Ive sent this via certified mail, so Ill know when it lands on your desk. 


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