Consumer complaint received 2025-02-13 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: MS

Complaint narrative:
To whom it may concern, I am submitting this complaint regarding experience failure to properly investigate disputes I have filed concerning inaccurate information on my credit report, period. Despite providing evidence to support my claims, comma, experience has not taken the necessary steps to conduct a proper investigation which violates my right as a consumer under the Fair Credit Reporting Act, FCRA. 

The inaccurate accounts in question are as follows. 

XXXX XXXX XXXX date opened shows XXXX/XXXX/XXXX debt buyer account collection amount XXXX. XXXX XXXX XXXX XXXX date opened shows XXXX. Amount XXXX XXXX XXXX XXXX XXXX date opened shows XX/XX/XXXX amount XXXX XXXX XXXX XXXX XXXX XXXX debt buyer ( XXXX XXXX ) date shows open XXXX XXXX amount XXXX Hard Inquiries Inaccurately reported by experian listed below XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX These are XXXX payments inaccurate reported experian below I am asking to have removed from my report XXXX XXXX XXXX XXXX late payment XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 


I have submitted property deed, drivers license and utility bills to support address removal. 
These addresses below do not below to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have one legal name. I have provided drivers licenses, social security card and birth certificate to verify my legal name. Please remove names below from my credit report that was inaccurately reported y experian. Names listed below : 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 I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, experience has either failed to verify the information properly or has responded with generic verified statements without explaining their investigation process or correcting the errors. 




This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to get approved for credit, loans, and etc. 

I am requesting the following actions, forms, experienced through the CFPB. 

1. conduct a proper and thorough investigation into the accounts I have disputed. 
2. provide me with a detailed explanation of the steps they've taken to verify or correct the information. 
XXXX remove any inaccurate or unverifiable information from my credit report immediately.

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