Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
Subject : Formal Dispute Report number XXXX Incorrect & Account Reporting under FCRA and 15 U.S.C. 1681 To Whom It May Concern, I am formally disputing these below accounts that is currently reporting inaccurately on my credit file and demand its immediate deletion. I have continued to dispute these accounts with you organization and you wont supply me with the requested information on how you determined these accounts were verified other than verified by the The following account is not mine and I am a victim of identity theft. Attached is my police report number and FTC report. And I demand for the immediate deletion of this account. 

XXXX XXXX XXXX Account number XXXX .... 
Date opened XXXX/XXXX/XXXX These below accounts in question reports inaccuracies such as wrong balances dates and monthly charge-offs and as stated by IRS guidelines XXXX are income and under FCRA income is not reported and continues to cause me irreparable financial harm by reporting as an active account every month, which is inaccurate and misleading. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
Account charged off. {$2800.00} written off. {$2600.00} past due as of XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX .... 
Account charged off. {$1700.00} written off. {$830.00} past due as of XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX .... 
Account charged off. {$1700.00} written off. {$830.00} past due as of XX/XX/XXXX XXXX XXXX XXXX .... 
Account charged off. {$5200.00} written off. {$5200.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX .... 
XXXX account. {$10000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX. 
Account charged off. {$95000.00} written off. 

XXXX XXXX XXXX XXXX XXXX. 
Account charged off. {$100000.00} written off. {$6200.00} past due as of XX/XX/XXXX. 

XXXX  XXXX XXXX Closed. {$89.00} past due as of XX/XX/XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I request an immediate removal for your failure to investigate these accounts properly and continue to violations : XXXX. Violation of Accuracy Requirements ( 15 U.S.C. 1681e ( b ) Under this section, Experian is required to maintain maximum possible accuracy in reporting consumer information. This account is inaccurate as it falsely reports an active balance that is either outdated, fraudulent, or otherwise incorrect. Any continued reporting without correction violates this provision. These accounts must be removed immediately XXXX. Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ( a ) ( XXXX ) Under this section, Experian is required by law to investigate disputed accounts within 30 days and either correct or delete any unverified or inaccurate information. If Experian can not provide absolute proof of the validity of this debt, it must be deleted from my report immediately under the FCRA. These accounts must be removed immediately XXXX. Furnishing and Reporting of False Information ( 15 U.S.C. 1681s-2 ( a ) ( XXXX ) Under this section, Experian is aware XXXX furnishers are prohibited from knowingly reporting inaccurate information to credit bureaus. I have mailed serval letters that has been ignored by your company allowing the furnisher to continue to report these unverified the inaccuracies, these accounts must be removed immediately. 
XXXX. Failure to Provide a Method of Verification ( 15 U.S.C. 1681g ) Under this section, Experian is required to provide me with the methods used for verification. I formally request a detailed Method of Verification ( MOV ) as required under the FCRA. If you can not provide the original documentation with my verified signature and proof of debt validity, this account must be removed immediately. 

Under 15 U.S.C. 1681b ( f ) of the Fair Credit Reporting Act ( FCRA ), a credit inquiry can not be made without the consumers express authorization or a permissible purpose. Any unauthorized inquiries must be removed immediately. Additionally, under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), credit reporting agencies must correct or delete inaccurate informationincluding incorrect spellings of a consumers namewithin 30 days of a dispute. Failure to remove these inaccuracies constitutes willful noncompliance under 15 U.S.C. 1681n, exposing the violators to actual damages, punitive damages, and attorneys fees. This is a formal demand for the immediate deletion of all unauthorized inquiries and name inaccuracies. 

My correct name is XXXX XXXX XXXX Remove and delete these inaccurate name XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Remove and delete these inquiries I have no knowledge of : Inquiry name XXXX XXXX XXXX XXXX XXXX of request XX/XX/XXXX Inquiry name XXXX XXXX XXXX XXXX XXXX request XX/XX/XXXX Inquiry name XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Inquiry name XXXX  XXXX  Date of request XX/XX/XXXX Inquiry name XXXX XXXX Date of request XX/XX/XXXX Inquiry name XXXX XXXX XXXX Date of request XX/XX/XXXX Inquiry name XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXXXXXX XXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX XX/XX/XXXX Inquiry name XXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX XX/XX/XXXX Inquiry name XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXXXXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXX XXXX  XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXX XXXX Date of XXXX XXXX XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Inquiry name XXXX Date XXXX XXXX XXXX XXXX ) XX/XX/XXXX XX/XX/XXXX Inquiry name XXXX  Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX  XXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX XX/XX/XXXX Inquiry name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry name XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXX Date XXXX request ( XXXX ) XX/XX/XXXX Inquiry name XXXX  Date of request XXXX XXXX XXXX XX/XX/XXXX Inquiry name XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXXXXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXXXXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Inquiry name XXXX XXXX XXXX Date of XXXX XXXX XXXX ) XX/XX/XXXX Inquiry name XXXXXXXX XXXX XXXX Date of XXXX XXXX XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I demand that these accounts be permanently deleted from my credit report within XXXX  days in compliance with federal law. I have already escalated this matter with complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General and I will file a federal claim. Experian is being sued because they are not properly investigating accounts on credit reports and I feel like I am also a victim of the same negligence.

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