Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
To whom it may concern : I am also requesting that you provide me with a copy of my credit report so that I can verify its accuracy.I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with XXXX XXXX regulations or else you could face fines! Again! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. 
The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, Im requesting that you verify permissible purpose was provided for each account and inquiry. You have XXXX  days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. 

XXXX XXXX Experian Experian Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Revolving Balance Owed : {$380.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : UNPAID BALANCE REPORTED AS A LOSS BY XXXX  XXXX Creditor Type : Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : -- Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- Loan Type : XXXX The account XXXX XXXX with number XXXX is wrong on my credit report, showing a rating of XXXX. It has incorrect dates ( XXXX and XXXX ). This is blocking my financing. 
As stated in 15 U.S.C. 1681e ( b ), I demand the account be deleted. Please send proof of the {$380.00}. 

I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. In appreciation XXXX XXXX XXXX XXXX Please send your written response to my address of XXXX, XXXX XXXX XXXX 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