Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Subject : Dispute Request for XXXX XXXX XXXX XXXX XXXX Dear Experian Consumer Assistance, I am writing to formally request a real dispute regarding certain items on my credit report. After reviewing my credit report, I have identified inaccurate information related to my XXXX XXXX account, XXXX account, and the involvement of XXXX XXXX. I kindly request your assistance in investigating these matters and correcting any erroneous data that may be present. 
XXXX XXXX XXXX Account Discrepancy : 2 Account Number : Upon careful examination of my credit report, I noticed that the information provided regarding my XXXX XXXX  account contains inaccuracies. The reported balance and payment history do not align with my records. I am requesting a thorough investigation into this matter to rectify any inaccuracies associated with my XXXX XXXX account. 
2 XXXX  Account Discrepancy : Account number : XXXX Similarly, I have identified inconsistencies in the information provided concerning my XXXX account. The reported balance and account status are not reflective of my actual financial transactions and account management. I kindly request a detailed investigation to address and rectify these discrepancies promptly. 
3 XXXX XXXX Involvement : 4 Reference Number : [ XXXX XXXX : XXXX Additionally, I recently disputed an item associated with XXXX XXXX, and I would like to understand how the previous dispute was verified as accurate. I respectfully request information regarding the verification process that was undertaken in response to my previous dispute. Understanding the details of the investigation will help me assess the accuracy of the information and determine further actions necessary to rectify any errors. 
Furthermore, as mandated by the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide me with a free copy of my credit report, as it stands after the completion of your investigation into these disputes. 
I understand that the FCRA requires you to conduct a reasonable investigation within 30 days of receiving my request. Therefore, I kindly ask that you initiate the investigation promptly and provide a written response within the legally mandated timeframe. Please include copies of any supporting documentation that led to the determination of accuracy in my previous dispute with XXXX XXXX XXXX 
In accordance with the FCRA, I have enclosed the following documents to support my dispute : 1 A copy of my credit report highlighting the inaccuracies.

2 Copies of relevant account statements and documents substantiating the correct information. 
Thank you for your attention to this matter. I trust that Experian will conduct a thorough investigation into these disputes and take the necessary steps to ensure the accuracy and integrity of my credit report. Should you require any additional information from me, please do not hesitate to contact me at XXXX or via email at XXXX. 
I look forward to your prompt response and the resolution of these disputes. 
Sincerely, 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