Consumer complaint received 2025-04-08 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 once again to formally dispute several accounts and personal identifiers on my credit report that remain inaccurate and unverified. This is my third attempt to resolve these issues, and I am growing increasingly concerned about your failure to perform a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ]. 
Please be advised that if these accounts and personal records can not be verified with legally admissible documentation from the original furnishers, they must be removed or corrected immediately. Continued failure to comply will result in formal complaints filed with the CFPB, FTC, and my state Attorney General. 
________________________________________ Personal Information to Be Deleted The following addresses are inaccurate, outdated, or not associated with any valid accounts. Please remove them from my credit file : XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX These addresses are either obsolete, incorrect, or connected to disputed accounts. Keeping inaccurate personal information violates FCRA 607 ( b ) and may impact the integrity of my report. 
________________________________________ Accounts in Dispute Requesting Deletion Charge-Offs XXXX XXXX  # XXXX | Opened : XX/XX/XXXX No documentation has been provided validating this charge-off. If it can not be verified through original billing records and a valid contract, it must be removed. 
XXXX XXXX XXXX # XXXX | Opened : XXXX I have never received any verification of this alleged debt. No supporting documentation proving ownership or liability has been submitted. 
Repossession XXXX  # XXXX | Opened : XX/XX/XXXX This entry is reporting a repossession with no legally acceptable documentation. As per XXXX XXXX standards, the reporting must be complete and accurate, which this is not. 
Collection XXXX # XXXX This account remains unverifiable. The reporting lacks proper substantiation and proof of debt. Delete immediately if full validation can not be obtained from the data furnisher. 
________________________________________ Request for Action 1. Conduct a new reinvestigation into each of the items above. 
2. Remove all unverifiable accounts and inaccurate personal information. 
3. Provide a free updated copy of my credit report reflecting the changes. 
4. Supply me with detailed verification from each data furnisher if any item is to be retained. 
Please understand that I am keeping full records of all correspondence for legal purposes. If this matter is not resolved within the required 30 days, I will have no choice but to escalate this matter with regulatory authorities. 
Thank you for your time and attention to this matter. 
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