Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I am writing to formally dispute several negative items on my credit report that I believe are either inaccurate, unverifiable, or outdated, as per my rights under the Fair Credit Reporting Act ( FCRA ), Section 611. These entries are severely impacting my creditworthiness and have been a significant obstacle during an already difficult period in my life. 
________________________________________ XXXX. XXXX # XXXX Date Opened : XX/XX/XXXX High Credit : {$5000.00} Issue : Reported Late Payments FCRA Violation : 623 ( a ) ( 1 ) ( A ) Reporting information with known inaccuracies Action Requested : Please verify the accuracy of the payment history. If you can not verify with proper documentation, kindly delete this account from my credit file.

________________________________________ 2. XXXX # XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Status : Charge Off Issue : I never received a proper notice of charge-off, and the balance appears to be incorrectly reported.

FCRA Violation : 609 ( a ) ( 1 ) Right to obtain information about items being reported Action Requested : If this account can not be validated with full documentation, I respectfully request its removal. 
________________________________________ 3. XXXX ( Original Creditor : XXXX ) # XXXX Balance : {$1400.00} Status : Charge Off Issue : I have no recollection of this account and have received no communication or proof of debt from either the original or current creditor. 
FCRA Violation : 611 ( a ) ( 1 ) Duty to investigate disputed information Action Requested : Please conduct a reinvestigation and remove this entry if it can not be verified.

________________________________________ 4. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX. ) # XXXX Date Opened : XX/XX/XXXX High Credit : {$940.00} Status : Collection Issue : No validation of debt has ever been provided to me under the FDCPA ( Fair Debt Collection Practices Act ) and FCRA. 
FCRA Violation : 623 ( b ) Failure to update or correct information Action Requested : Delete this account if it can not be validated with full chain-of-custody documentation. 
________________________________________ XXXX. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$23000.00} Status : Charge Off Issue : I was not provided the appropriate notices regarding delinquency, and the charge-off status appears inconsistent with my records. 
FCRA Violation : 623 ( a ) ( 5 ) Incorrect date of first delinquency Action Requested : Please verify and correct or delete this item from my report.

________________________________________ Like many individuals, I faced financial hardship due to uncontrollable life circumstances including personal and family emergencies. While I am working hard to rebuild, these derogatory marksmany of which are questionableare preventing me from securing basic financial stability for my family and myself. I respectfully ask for your cooperation in helping me move forward by ensuring my credit file is 100 % accurate and in compliance with federal laws.

________________________________________ Final Request : In accordance with the FCRA 611, I kindly request : 1. A detailed reinvestigation of each account listed 2. Immediate deletion of any item that can not be 100 % verified 3. A new copy of my credit report reflecting these corrections Thank you for your prompt attention to this matter. I look forward to receiving confirmation of these corrections within the legally mandated 30-day timeframe. 
Sincerely, XXXX XXXX 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