Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject : Method of Verification Request for Disputed Account Dear Sir/Madam, I am writing to dispute the accuracy and validity of an account listed on my credit report. According to my records, the account in question does not belong to me, and I am requesting that you verify its accuracy as mandated by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX I am well aware of my rights under the FCRA, which requires credit bureaus to investigate and verify the accuracy of disputed information within a reasonable timeframe. As such, I am formally exercising my rights and requesting that you provide me with complete and thorough documentation that supports the validity of this account. 

To ensure a fair and comprehensive investigation, I kindly request that you provide the following information : Verification of the Creditor : Please provide documentation proving that the alleged creditor, as listed on my credit report, is legitimate and that a valid contractual relationship existed between myself and the creditor.

Verification of Account Ownership : Please furnish documented proof establishing my ownership and responsibility for this account, including any signed agreements or contracts bearing my signature.

Itemized Account Statements : I request copies of all account statements, including the original and subsequent statements, indicating the transaction history, balances, payments, fees, and any other relevant information pertaining to this account.

Chain of Custody : Please provide a complete record of the account 's ownership and any transfers or assignments of the debt. This should include any supporting documentation demonstrating how the alleged creditor obtained the account information. 

I understand that under the FCRA, the credit bureau has a legal obligation to investigate my dispute within 30 days of receiving my request. Additionally, I kindly request that you inform the original creditor of my dispute and provide them with a copy of this letter, as required by FCRA Section 611 ( a ) ( 2 ) ( A ). Please be advised that any failure to comply with my request and obligations under the FCRA may result in legal action to protect my rights.

I have enclosed copies of relevant documents supporting my identity, including a copy of my driver 's license and a recent utility bill, to confirm my identity and ensure accurate processing of this dispute. Thank you for your prompt attention to this matter. I expect a thorough investigation and a timely response within the required timeframe. Please send all correspondence regarding this dispute to the address listed above. 

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