Consumer complaint received 2025-06-03 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:
I am filing this complaint to dispute multiple inaccurate and unverified items currently appearing on my credit report. These include personal information errors, unauthorized inquiries, collections, charge-offs, and late payments. I obtained my credit report through XXXX and formally requested reinvestigation and correction in compliance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Reasonable procedures for maximum possible accuracy 15 U.S.C. 1681i ( a ) Reinvestigation of disputed information 15 U.S.C. 1681i ( a ) ( 7 ) Method of verification 15 U.S.C. 1681g Full file disclosure Summary of Disputed Issues A. Personal Information ( Incorrect and Needs Removal ) Previous Addresses : 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of FCRA Failure to ensure accuracy under 15 U.S.C. 1681e ( b ) Failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) Failure to provide method of verification under 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide full consumer file disclosure under 15 U.S.C. 1681g Relief Sought I am requesting the following actions from the credit reporting agency and/or data furnishers : Immediate reinvestigation of all disputed accounts and inquiries.

Correction or deletion of any inaccurate or unverifiable accounts, per 15 U.S.C. 1681i ( a ) ( 5 ).

Method of verification, including : Description of procedures used to verify each item ; Names and contact information of entities contacted ; Copies of any documents used during the verification process. 

Full consumer file disclosure, including : All information in my file ; All soft and hard inquiries with dates and purposes ; Third-party certification documentation. 

Immediate removal of all outdated or unverifiable personal information. 

Correct Personal Information to Retain Only Name : XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Current Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Additional Notes This dispute was personally prepared and submitted with all required identification and documents. I do not authorize email communication regarding this matter. Please send all responses by postal mail only. 

Failure to respond in full may result in additional complaints to the Federal Trade Commission ( FTC ), State Attorney General, and potential legal action for damages as permitted under the FCRA. 

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