Consumer complaint received 2025-07-12 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: IL

Complaint narrative:
To whom it may concern, I have full copy of my credit report and I have found many errors and inaccurate information and I demand these accounts be properly investigated and deleted from my consumer report due to bein wrongly reported. It has caused a great deal of frustration in my life and this is not fair. According to the law I demand my full rights be carried out and I will continue to fight for fair credit reporting. 
These accounts listed below I demand be investigated and deleted : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX. Reporting late payments during COVID-19 violates 15usc 1681s-2 ( a ) ( 1 ) ( f ) Delete late payments and Update to " NEVER LATE '' DEPT OF EDUCATION/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15usc 1681b 1681 ( e ) b Update to " NEVER LATE '' 3. Charge-off reflects an incorrect balance violates 1681e ( b ) on maximum accuracy. Account shows conflicting dates for charge-off last payment and last activity. Date and severity of the delinquency are both inaccurate. No permissible purpose under 1681b ( a ) ( 2 ) existsremove immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account charged off without providing right to rescind 15usc 1635. Validation required under 1692g. Delete entire account immediately. 
4. FCRA 611 15usc 1681i. FCRA 623 15usc 1681s-2. Delete immediately XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under FCRA 616 15usc 1681n failure to delete will subject you to civil liability. Delete this account off of my consumer/ credit report. 
5. You are reporting misleading inaccurate information. According to 15usc 1681s-2 ( b ) 15usc 1681s-2 ( a ) I demand this account be updated to positive with no late payments or delete it off of my credit report XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received confirmation from the original creditor that I was not lateremove immediately. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information.

in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4.

business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft. ( 2 ) that an identity theft report has been filed. ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error, or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer. shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i.

( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew.

or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

( d ) Exception for resellers.

( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller.

( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.

( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.

( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting.

agency from which the consumer information was obtained for resale.

( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negatable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section.

1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.

( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. 
Please send me an updated credit report with deletions of the above accounts removed from my credit report with-in 15 days. 
Yours truly, 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