Consumer complaint received 2025-05-30 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: MI

Complaint narrative:
I am filing this complaint due to multiple errors and inaccurate entries on my credit report obtained from XXXX. These errors include incorrect payment history, inaccurate collection account reporting, and invalid personal identifying information. 

Despite my formal dispute request and submission of identification and supporting documentation, the credit reporting agency has failed to conduct a full, good-faith reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). This includes failure to verify all associated data, codes, and account-level detailsnot just tradelines. 

Disputed Items Late Payment ( Open ) Creditor : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Collection Account Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Inaccurate Personal Information Employers Reporting in Error : XXXX XXXX XXXX  XXXXXXXX XXXXXXXX XXXX XXXX XXXX These entries are either unverifiable, inaccurate, or outdated, in violation of XXXX U.S.C. XXXXi ( a ) ( 5 ), which requires deletion if verification is not possible. 

Violations of the FCRA XXXX U.S.C. XXXXe ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy XXXX U.S.C. XXXXi ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation XXXX U.S.C. XXXXi ( a ) ( 7 ) : Failure to provide method of verification upon request XXXX U.S.C. XXXXg : Failure to provide full file disclosure Requested Relief I respectfully request the following actions in accordance with my rights under the FCRA : A complete reinvestigation of each disputed item listed Deletion or correction of any information found to be inaccurate or unverifiable A detailed method of verification, including : Description of all procedures used in your investigation Name and contact details of the parties you contacted Documentation relied upon to verify the data A complete consumer file disclosure under XXXX U.S.C. XXXXg, including : All data currently on file A list of all soft and hard inquiries with dates and purposes Certifications from third parties who accessed my file Correction of Personal Information Please delete all outdated or incorrect personal information from my file, including : Any name variations Incorrect SSN digits Former or unverifiable employers, phone numbers, and addresses The only personal information you are authorized to retain is : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last 4 SSN Digits : XXXX Current Address : XXXX XXXX XXXX, XXXXXXXX Michigan XXXX Response Deadlines You are legally obligated to respond : Within 30 days to the dispute under XXXX U.S.C. XXXXi ( a ) Within 15 days to the method of verification request under XXXX U.S.C. XXXXi ( a ) ( 7 ) I do not consent to electronic communication. All responses must be delivered via postal mail. 

Next Steps Failure to respond fully and lawfully will result in regulatory complaints to the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Michigan State Attorney Generals Office I will also consider legal action to recover statutory and actual damages for violations of the FCRA. 

Sincerely, 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