Consumer complaint received 2025-05-11 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 formally dispute several inaccurate and potentially fraudulent items listed on my consumer credit report. These errors are damaging my creditworthiness and causing me significant financial and emotional hardship. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that the following information be thoroughly investigated and removed or corrected immediately. 

SECTION 1 : INACCURATE PERSONAL INFORMATION The following names appear on my credit report but do not accurately reflect my identity. These variations may be linked to fraudulent activity or reporting errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove all inaccurate and inconsistent versions of my name that do not match my legal identity. 

SECTION 2 : DISPUTED ACCOUNTS I am formally disputing the accuracy and validity of the following accounts, which may involve identity theft, reporting errors, or inaccurate payment history : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account contains incorrect payment reporting Please conduct a reinvestigation of these accounts under 15 U.S.C. 1681i and remove or correct all inaccurate or unverifiable data. If the furnishers can not verify the accuracy of these items within 30 days, they must be deleted from my report. 

SECTION 3 : UNAUTHORIZED OR UNVERIFIED INQUIRIES The following inquiries were made without my knowledge, authorization, or permissible purpose under 15 U.S.C. 1681b and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries have impacted my credit score negatively and were not initiated or approved by me. 

Supporting Documentation Enclosed : Government-issued photo ID Utility bill or proof of address FTC Identity Theft Report ( if applicable ) I request that you complete your reinvestigation within the legally mandated 30-day period and provide written confirmation of the actions taken. If these items are not resolved to my satisfaction, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

Thank you for your immediate attention to this matter.

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