Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
# FORMAL DISPUTE LETTER - IDENTITY MIX-UP AND INACCURATE REPORTING * * TO : * * Credit Reporting Agency * * FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : * * Consumer Financial Protection Bureau ( CFPB ) * * RE : * * Formal Dispute Under Fair Credit Reporting Act ( FCRA ) - Identity Mix-Up I am writing to formally dispute multiple inaccurate accounts that are erroneously appearing on my credit report across all three major credit bureaus. These accounts do not belong to me and represent a serious case of identity confusion. I am XXXX XXXX XXXX, and these accounts belong to my father, who shares the same name. This ongoing identity mix-up has caused significant damage to my credit profile and financial standing.

* * DISPUTED ACCOUNTS REQUIRING IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX$8700.00} - XXXX XXXX - {$3600.00} - XXXX XXXX - {$12000.00} - XXXX XXXX - {$10000.00} - XXXX XXXX XXXX XXXX - {$25000.00} * * COMPREHENSIVE LEGAL BASIS FOR DISPUTE : * * Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights as a consumer to dispute inaccurate information. The following sections are directly applicable to this matter : - * * FCRA Section 604 * * - Permissible purposes of consumer reports : These accounts were never established with proper verification of my identity - * * FCRA Section 605 * * - Requirements relating to information contained in consumer reports : This information is inaccurate and must be corrected - * * FCRA Section 611 * * - Procedure in case of disputed accuracy : I am formally disputing the accuracy and completeness of these accounts - * * FCRA Section 615 * * - Requirements on users of consumer reports : Original creditors failed to properly verify identity before establishing accounts - * * FCRA Section 616 * * - Civil liability for willful noncompliance : Continued reporting after dispute XXXX result in legal action * * DETAILED STATEMENT OF FACTS : * * I have never established, authorized, or maintained any accounts with the aforementioned creditors in the amounts listed. I have never applied for credit with these institutions that would result in the balances shown on my credit report. These accounts were established by my father, who shares my name, creating a clear case of identity confusion that has persisted across multiple credit reporting agencies. 

This identity mix-up has caused substantial harm to my credit score, creditworthiness, and ability to obtain financing. The presence of these inaccurate accounts has resulted in : - Degraded credit score affecting my ability to secure loans - Increased interest rates on legitimate credit applications - Denial of credit applications due to inflated debt-to-income ratios - Emotional distress and time spent attempting to resolve this matter * * REQUESTED ACTIONS : * * 1. * * Immediate Investigation * * : Conduct a thorough investigation of all disputed accounts within the 30-day period mandated by FCRA Section 611 1. * * Permanent Deletion * * : Remove all disputed accounts from my credit file at all three major credit bureaus ( Experian, Equifax, and TransUnion ) 1. * * Creditor Notification * * : Notify all listed creditors that these accounts have been disputed and removed due to identity mix-up 1. * * Updated Credit Report * * : Provide me with updated credit reports from all three bureaus showing the removal of these accounts 1. * * Correction Letters * * : Issue correction letters to any entities that have accessed my credit report in the past 24 months * * CFPB NOTIFICATION : * * I am simultaneously filing a complaint with the Consumer Financial Protection Bureau regarding this ongoing identity mix-up and the failure of credit reporting agencies to maintain accurate records. This represents a pattern of negligent reporting practices that violate consumer protection laws. 

* * LEGAL CONSEQUENCES OF NON-COMPLIANCE : * * Please be advised that failure to comply with this dispute within the statutory timeframe may result in : - Filing of complaints with federal regulatory agencies - Pursuit of civil remedies under FCRA Section 616 for willful noncompliance - Seeking actual damages, statutory damages up to {$1000.00}, punitive damages, and attorney fees- Formal complaints to state attorneys general and consumer protection agencies * * DOCUMENTATION : * * This dispute is being sent via certified mail to ensure proper delivery and to establish a clear timeline for your response. I expect full compliance with FCRA requirements and a complete resolution of this matter within 30 days of receipt. 

* * VERIFICATION REQUIREMENTS : * * If you claim these accounts are valid, you must provide : - Original signed applications bearing my signature - Proof of identity verification at account opening - Documentation showing proper permissible purpose for credit inquiry - Chain of custody documentation for account establishment * * CONCLUSION : * * I trust that you will handle this matter with the urgency and attention it deserves. The continuation of reporting these inaccurate accounts after formal dispute would constitute willful noncompliance with federal consumer protection laws. 

I expect your written response within 30 days confirming the removal of all disputed accounts and providing updated credit reports reflecting these corrections. 

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