Consumer complaint received 2025-03-09 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: MD

Complaint narrative:
To Whom It May Concern, I am writing to follow up on my previous complaint regarding inaccurate, unverified, and outdated information being reported on my credit reports by various creditors and collection agencies. Despite my initial submission and the reasonable time frame that has passed, I have yet to receive confirmation that the disputed information has been removed or properly verified. 

As a consumer, I am entitled to fair and accurate reporting under the Fair Credit Reporting Act ( FCRA ). Since my last complaint, the following issues remain unresolved : Outdated and Incorrect Personal Information : The following addresses and employer listings remain on my credit report despite being outdated or inaccurate : Addresses : XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Negative Credit Information : The following accounts are still being inaccurately reported without proper verification : Charge-Offs : 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 # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Late Payments : XXXX # XXXX Inquiries : XXXX  # XX/XX/XXXX XXXX  # XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I previously requested verification of these accounts as required under FCRA Sections 609 ( a ) ( 1 ) and 611. To date, I have not been provided with any supporting documentation proving the accuracy or validity of these accounts, nor have they been removed from my credit reports. 

Request for Immediate Action : I respectfully request that the CFPB take further action to ensure compliance with federal laws by : Requiring the credit reporting agencies and furnishers to provide actual documentation verifying the legitimacy of the reported accounts and personal information. 

Ordering the immediate deletion of any unverifiable, outdated, or inaccurate information from my credit reports. 

Investigating whether the creditors and collection agencies have fulfilled their obligations under the FCRA and imposing penalties if violations are found. 

I have provided sufficient time for resolution, yet my complaint remains unaddressed. I request immediate escalation of this matter and a detailed response outlining the actions being taken. If necessary, I am prepared to escalate my complaint further, including seeking legal remedies to enforce my rights under the FCRA. 

Please let me know if additional documentation is required to move forward. I look forward to your prompt attention to this matter and expect a response within the required timeframe. 

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