Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent information XXXX XXXX  is reporting to the credit bureaus regarding a closed account that has been mistakenly attributed to me. I have previously requested validation and proof of my association with this account, but XXXX has failed to provide adequate documentation, and the information being reported remains inaccurate and unsupported by any valid contract or agreement bearing my signature. 

Specifically, I would like to highlight the following : Failure to Provide Proof of Validation : Despite my request for validation, XXXX has refused to provide any proof that the incorrect information reported by the company that transferred this account was validated or verified. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ) requires that when a consumer disputes information, the furnisher must conduct a reasonable investigation and provide proof of the accuracy of the information, including documentation of any contracts or agreements. 
Failure to Provide Signed Documentation : XXXX has also failed to show proof of a contract signed by me. If XXXX acquired this loan from another company, it is your responsibility to provide documentation proving that I personally signed the original loan agreement. To date, you have not provided such proof, and I affirm that I never signed any contract with your company or any other regarding this loan. The absence of any valid agreement makes the information being reported both inaccurate and fraudulent. 
No Notarization or Proof of Identity Verification : XXXX has not provided any proof of notarization or verification of my identity in relation to this account, despite my request. Without such evidence, it is clear that the account has been erroneously linked to me, possibly due to mistaken identity, as I have a family member with a similar name. 
Due to these serious issues, the information XXXX is reporting to the credit bureaus is fraudulent. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), which prohibits the reporting of inaccurate or unverified information, and I demand that you : Immediately remove the incorrect information being reported to the credit bureaus, as it is not validated by any legitimate or signed documentation. 
Provide a copy of the original signed contract or agreement, if one exists, along with proof of notarization or identity verification. 
Investigate the matter fully and notify me in writing of the results, including any corrections made to my credit report, within 30 days, as required by the FCRA. 
If XXXX continues to report this inaccurate and unverified information, I will be left with no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Furthermore, I reserve the right to pursue legal action to address any financial or reputational harm caused by this fraudulent reporting.