Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX OH, XXXX}\n\n{CFPB}XXXX}\n\nTo Whom It May Concern,\n\nThis letter is a formal complaint that TransUnion, Equifax, and Experian are reporting inaccurate and incomplete credit information.\n\nAccording to the Fair Credit Reporting Act, Section 609 (a) (1) (A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.\n\nI demand to see verifiable proof (i.e.: an original consumer contract with my signature on it) that you have on file for the account listed below.\n\nYour failure to positively verify these accounts has hurt my ability to obtain credit.\n\nFurnishers must not report information they know or have reasonable cause to believe is inaccurate (1681s2(a)(1)(A)).\n\n15 U.S. Code  1681b:Accuracy of report\nWhenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\n\n\n\n\n\n Under the FCRA, in accurate and unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.\n\nI demand that the following account be verified or removed immediately:XXXX XXXX, account number XXXXDate last active incorrect with all three Bureaus. Delete\nXXXX XXXX XXXX  account number XXXXaccurate last active date, TransUnion Equifax. Delete.\n3.XXXX. Last active date incorrect do not match.\XXXX. Account#s TRANS UNION XXXXExperian account number XXXXEquifax account number XXXX XXXX XXXX XXXX. Last active date incorrect do not match.\nTrans Union account number XXXXExperian account number XXXXEquifax account number  XXXX XXXX XXXX  Account number, TransUnion and Experian XXXX  Last active date incorrect do not match.\nEach company is also using more than one name for me then what is on my drivers license as well as multiple addresses that are no longer active and not on my current drivers license.\n\nIn addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.\nAccounts PDF added and photo of current license to validate my correct name and address.\nUnder federal law, you have thirty (30) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen (15) days of the completion of your re-investigation.\n\nThank you,\n\nXXXX 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