Consumer complaint received 2025-04-25 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX Date : XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Re : Notice of Intent to File Lawsuit for FCRA Violations Unverified and Inaccurate XXXX Account Reporting To Whom It May Concern, This letter serves as formal notice of my intent to initiate legal action against Experian Information Solutions , Inc. for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., specifically relating to your continued reporting of an inaccurate XXXX credit card account on my consumer credit file. 

I have no knowledge of ever applying for, owning, or using a XXXX credit card, nor have I ever been late on such an account. I have disputed this matter on multiple occasions, but each time, your response has been that the information is being " accurately reported. '' These repeated reinsertions of inaccurate data constitute negligence or willful noncompliance under the FCRA. 
Furthermore, I exercised my right under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and formally requested, via the CFPB portal, your method of verification ( MOV ). My request explicitly asked for the following information : The name of the person or department you contacted to verify the account. 

The date and time of that communication. 

Copies of all documentation provided to you that led to your decision to continue reporting the account, including any alleged signed agreements, billing statements, or payment history allegedly tied to me.

Your failure to honor this request within the required 5 business days, as stipulated under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ), is a clear violation of federal law. If you are unable to verify the account with the original creditor through proper documentation, the FCRA mandates that the information must be deleted from my credit report. 

Simply relying on automated systems such as e-OSCAR, or confirmations from third-party data furnishers or other credit bureaus, does not meet the standards of a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ) has held that a consumer reporting agency must go beyond mere parroted responses and must conduct an actual investigation. 

You are hereby formally notified that if the XXXX account in question is not immediately removed from my credit report, I will have no choice but to pursue civil action against your company under 15 U.S.C. 1681n and/or 1681o, seeking statutory damages of up to {$1000.00} per violation, plus actual damages, attorney fees, and punitive damages where applicable.

This letter is sent in good faith and with the hope of resolving this matter without legal action. However, if no corrective action is taken within 10 days from the date of this letter, I will proceed with filing suit in state or federal court without further notice. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO 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