Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
To whom it may Concern : I recently sent, emailed and called requesting inaccuracy of trade lines that are affecting the reporting accuracy of my credit report. I have made diligent efforts to resolve this with you and I have not received your response within the time frame allowed by law. Under ( FCRA ) Fair Credit Reporting Act 15 USC 41 and section 1681i which requires that you adhere to my request, investigate and respond within a 30 day period, unless you notify me immediately otherwise. By not replying in a timely matter you have not only violated federal law but you have failed to provide me with any correspondence or documentation. 
Failure to verify the stated information within the 30 day time period constitutes " non-verification and the accounts in question must be immediately removed from my credit profile and report according to 15 USC 41 Section 168li ( a ). I demand that the following and all inaccurate, negative, outdated and erroneous information be removed from my credit profile immediately and updated accordingly. The following inaccuracies ( et.al ) that remain on my credit report are : Accounts : Once again I am notifying you that these items are not reported correctly for the reasons indicated, and I am strongly requesting that you remove them from my credit profile immediately as they represents a very serious error in your reporting or lack thereof. According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report.

Failure to comply with the Federal regulation by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41.et seq ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance and violation of Federal Law. I further remind you that as in XXXX v. TransUnion XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be subject and liable for your willful non-compliance. As you have now violated Federal Law, by not properly investigating within the required timeframe, which I have evidence of such, via certified mail receipt 's, you must now remove all items. ALL ITEMS! 
Any action or inaction on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for each occurrence : 1. Defamation 2. Negligent enablement of Identity Fraud 3. Violation of The Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself before an Administrative Judge.

Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC section 1681n and 1681o, which require your compliance with the law.

Also, 15 USC sections 1681i ( d ) and 1681j of the Fair Credit Reporting Act ( FCRA ) require that I receive written notification of the updates, an up -to-date credit report ( at no charge ) and that an up to date credit report be sent to anyone who received my credit report within the last six months.

Thank you for your time and attention to this matter. 
ACCOUNTS : XXXX ( XXXX XXXX ) # XXXX, # XXXX # XXXX are fraudulent accounts I dont even know who they are including I this account was close after 90 days and sent to collections this may be a global scam remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts are not mine I contacted XXXX XXXX these accounts are in someone elses name and social security number remove immediately XXXX XXXX XXXX XXXX XXXX Q XXXX ) # XXXX this is not my account I have never taken out a loan with them

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