Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Dear Sir/Madam, I am writing this letter to dispute the validity of a collection account that appears on my credit report. I believe it is in both our best interests to clear up any misunderstandings and resolve this matter amicably. I request that you investigate the account in question and remove it from my credit report immediately. 


Account Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX, XXXX I am disputing this collection account on the following grounds : 1. Verification : I have never received any correspondence or communication regarding the above-mentioned debt. According to the Fair Debt Collection Practices Act ( FDCPA ), collection agencies are required to provide verification and proof of debt upon request. I kindly request you to provide me with any relevant information, including copies of original agreements, invoices, or any documentation that validates the debt in question. 


2. Inaccurate Reporting : I have reviewed my credit report, and I believe that the reported date and amount of this collection are inaccurate. I request you to review your records and provide accurate reporting details for this account, including the correct dates and payment history, if applicable. 


3. Identity Theft : I am concerned that this account may be the result of identity theft. As I have no recollection of conducting any business whatsoever with the alleged creditor, I genuinely believe that my personal information might have been compromised. Therefore, I kindly request you to conduct an internal investigation to verify the accuracy and legitimacy of this account. 


Please note that according to the Fair Credit Reporting Act ( FCRA ), accurate and up-to-date information must be reported on my credit report. If you fail to provide sufficient proof or fail to respond within 30 days of receiving this letter, I will take further action to protect my rights under the FCRA. 


I request that you promptly investigate these claims, and if they are indeed substantiated, I respectfully demand that you remove this collection account from my credit report and cease any collection activities associated with it. Additionally, I request a written confirmation of the removal of this item from my credit report within 15 days of your investigation. 


I would appreciate your immediate attention to this matter to avoid further escalation. I intend to monitor my credit report closely and expect a timely response from your agency. Failure to resolve this dispute adequately will leave me no choice but to pursue legal action to protect my rights. 


Please respond to this dispute in writing and provide all necessary documentation related to the investigation to the address listed above. 


Thank you for your prompt attention to this matter. 


Sincerely, 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