Consumer complaint received 2025-04-26 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: LA

Complaint narrative:
This letter serves as a final formal notice regarding your continuous failure to address the inaccuracies and unverifiable accounts on my credit report. 
As per the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure all reported information is 100 % accurate and verifiable. 
You have already been notified through previous rounds, yet you have failed to correct these violations. 
This is your last opportunity to avoid formal litigation and governmental complaint escalation. 
________________________________________ Disputed Items : XXXX. XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate reporting of late payments.

Violations : FCRA Section 607 ( b ) ( Failure to maintain maximum accuracy ) & Section 611 ( a ) ( Failure to reinvestigate upon notice ).

Action Requested : Delete all late payment notations unless you can provide complete payment history and contract documentation.

________________________________________ 2. XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Reporting charge-off without validating the debt. 
Violations : FCRA Section 609 ( a ) ( 1 ) ( A ) ( Failure to provide proof of debt validation ).

Action Requested : Immediate deletion of this account unless full validation is furnished within the legally required timeframe.

________________________________________ 3. XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  Issue : Charged-off account being inaccurately reported.

Violations : Sections 607 ( b ) and 611 ( a ).

Action Requested : Delete the account or provide complete proof including original signed contract. 
________________________________________ 4. XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge-off reporting without accurate balance or verification. 
Violations : FCRA Section 611 ( a ) ; Section 607 ( b ).

Action Requested : Correct immediately or delete if verification documents are not available.

________________________________________ 5. XXXX XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Third-party collection account reported without sufficient proof of original debt validation. 
Violations : FCRA Section 609 ( a ) ( 1 ) ; FDCPA ( Fair Debt Collection Practices Act ) Section 809 ( b ).

Action Requested : Provide full debt validation ( original bills, chain of title ) or delete immediately. 
________________________________________ Disputed Unauthorized or Questionable Inquiries : You are also reporting multiple hard inquiries that appear unauthorized or lack clear permissible purpose under FCRA Section 604 : XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX  ( Multiple Dates ) Action Requested : Delete all hard inquiries that you can not validate with original signed application forms. 
________________________________________ Final Notice : If these items are not removed or corrected within 30 calendar days, I will be forced to take the following actions without further notice : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

File a complaint with the Federal Trade Commission ( FTC ).

Report your continued non-compliance to my State Attorney Generals Office.

Initiate a lawsuit seeking statutory damages, punitive damages, and attorney 's fees under FCRA Sections 616 and 617.

This letter serves as your final opportunity to correct these ongoing violations. 
I expect your full response and an updated copy of my credit report mailed to me within the timeline specified by law. 
Sincerely, 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