Consumer complaint received 2025-05-21 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 submitting this complaint regarding multiple errors in my credit report obtained from XXXX. These include inaccurate charge-off accounts and incorrect personal information. Despite following the procedures outlined under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency has failed to conduct a compliant reinvestigation or provide the legally required method of verification. 

This dispute was submitted in accordance with 15 U.S.C. 1681e ( b ), 1681g, and 1681i ( a ). I personally prepared and submitted the dispute along with valid identification and supporting documentation. I am not seeking a generic response or a form letter I am requesting a full, good-faith reinvestigation as required by federal law. 

Disputed Items : XXXXXXXX XXXX XXXXXXXX Charge Off Account Number : XXXX * * * * * * * * * * * * * * * XXXX XXXXXXXXXXXX XXXX XXXX  Account Number : XXXX * * * * * * * * XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * Incorrect Address : XXXX Lincoln XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX XXXX XXXX Charge Off Account Number : XXXX * * * * * * * * XXXX XXXX  Charge Off Account Number : XXXX * * * * * * * * These items are reporting inaccurately and/or are unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), any unverifiable or inaccurate tradeline including balance, status, payment history, remarks, or dates must be corrected or deleted entirely.

Violations of FCRA Compliance Include : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification.

My Requests : I am demanding the following actions from the credit reporting agency : A full reinvestigation of each disputed item ; Immediate deletion or correction of any unverifiable or inaccurate information ; A clear and specific method of verification, including : A description of reinvestigation procedures used ; The name and contact details of each entity or individual contacted ; Any documents relied upon ; A complete consumer file disclosure as required under 15 U.S.C. 1681g, including : All data held in my credit file ; A record of all soft and hard inquiries, with dates and reasons ; Certifications provided by all third parties who accessed my report. 

Personal Information Correction : The credit agency is also required to ensure the accuracy of my identifying information. Therefore, I am requesting the removal of all outdated or unverifiable personal identifiers, including name variations, incorrect SSN digits, former addresses, phone numbers, or employers. 

Verified Personal Information to Retain Only : Full Name : XXXX XXXX Date of Birth : XX/XX/year> SSN ( Last 4 ) : XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX Response Expectations : A written response must be provided within 30 days per 15 U.S.C. 1681i ( a ).

A full method of verification must be provided within 15 days per 15 U.S.C. 1681i ( a ) ( 7 ). 

I do not authorize electronic communication ; all responses must be sent by mail. 

If the credit reporting agency fails to comply, I am prepared to pursue complaints with the CFPB, Federal Trade Commission, and State Attorney General, and to consider legal action under 15 U.S.C. 1681n and 1681o for statutory and actual damages. 

I respectfully request the CFPBs assistance in ensuring that my rights under the FCRA are enforced.

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