Consumer complaint received 2025-10-27 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: OK

Complaint narrative:
ExperianXX/XX/XXXXXXXX XXXX, TX XXXX FORMAL DEMAND FOR COMPLIANCE : Immediate Deletion of All Inaccurate Accounts & Personal Information - Notice of FCRA Violations During Federal Freeze To Whom It May Concern : This letter serves as a formal dispute and demand for the immediate deletion of all inaccurate accounts and personal information listed below. My credit file is currently subject to a freeze under federal legislation, as noted on my report : " FILE FROZEN DUE TO FEDERAL LEGISLATION. '' Despite this freeze, which highlights severe underlying issues with the data integrity in my file, your agency continues to report profoundly inaccurate personal information and unverifiable account data. This ongoing reporting constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ), specifically your duties under 15 U.S.C. XXXX ( b ) to maintain reasonable procedures for maximum possible accuracy and 15 U.S.C. XXXX to conduct reasonable reinvestigations. 

PART I : DEMAND FOR DELETION OF INACCURATE PERSONAL INFORMATION The personal information section of my report is riddled with errors, creating a high risk of a mixed file and demonstrating a failure of basic data hygiene. I demand you immediately delete the following XX/XX/XXXX Inaccurate Name Variations : My legal name is XXXX XXXX XXXX. The following variations are misspelled, obsolete, or formatted incorrectly and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX All other name listings that are not exactly " XXXX A XXXXXX/XX/XXXX. Inaccurate and Obsolete Addresses : I currently reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OK XXXX, I demand you delete all addresses except for my current, verified address. I have never lived at the vast majority of addresses listed, including but not limited to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and numerous other addresses where I have never established residency. 

The presence of this extensive, inaccurate personal data is a prima facie violation of the FCRA 's accuracy requirements and facilitates fraud, especially in light of the known compromise of my PII from the XX/XX/XXXX data breach. 

PART XXXX : DEMAND FOR DELETION OF INACCURATE AND UNVERIFIABLE ACCOUNTS The account data on my report can not be verified and is inaccurate. The continued reporting of these items during a federal freeze demonstrates a fundamental failure of your reinvestigation procedures. 

Accounts for Immediate Deletion : I dispute the following accounts in their entirety. They are inaccurate, do not belong to me, and lack any verifiable proof. For your immediate reference, I have listed them below with their associated account numbers as they appear on my Experian report : XX/XX/XXXX CREDIT CARDXX/XX/XXXX Account Number : XXXX XXXX. XXXX XXXX ( Charged Off Account ) Account Number : XXXX XXXX. XXXX XXXX ( Charged Off Account ) Account Number : XXXX XXXXXX/XX/XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX.XX/XX/XXXX Account Number : XXXX XXXX. XXXXXX/XX/XXXXAccount Number : XXXX XXXX. XXXXXX/XX/XXXXAccount Number : XXXX ( XX/XX/XXXX Account ) XX/XX/XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX ( Auto Loan ) Account Number : XXXX Legal and Factual Basis for Account Deletion : XXXX. Federal Freeze as Evidence of Systemic Failure : The " federal freeze '' on my file is a clear indicator that the data within it is suspect and subject to legal scrutiny. Continuing to publish these disputed accounts to potential creditors while the file is under a known federal injunction is reckless and damaging. 
XXXX. Impossibility of Verification : The combination of the federal freeze and the extensively inaccurate personal information makes it legally impossible for Experian to reliably verify any account. How can you confirm an account is mine when you can not even correctly identify my name or where I have lived? Any " verification '' you received is inherently flawed. 
XXXX. Continued Defamation Post-Freeze : Several of these accounts show new, negative payment history updates well into 2025. The active updating of these accounts during a federal freeze is a glaring violation that proves the data is not being properly controlled. 
XXXX. Compounded Risk of Identity Theft : TheXX/XX/XXXXXXXX data breach exposed my core PII. The plethora of wrong names and addresses on my report provides a roadmap for identity thieves, and your failure to purge this information directly facilitates this risk. 


Demand for Action : Per my rights under the FCRA, you must conduct a reasonable reinvestigation. Given the federal freeze and the profound inaccuracies in both my personal information and account data, a superficial " verification '' is insufficient and unlawful. 

You must immediately : XXXX. Permanently delete all the inaccurate personal names and addresses as specified. 
XXXX. Permanently delete all the accounts listed above. 
XXXX. Provide me with a description of the reinvestigation procedure used, including the specific documentation provided by the furnishers that confirms these debts are mine and are being reported compliantly during a federal freeze. 

Failure to delete these unverifiable items and to provide this documentation will be considered a willful violation of the FCRA. I will not hesitate to pursue all available legal remedies, including filing complaints with the CFPB and FTC, and seeking damages in court. 

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