Consumer complaint received 2024-08-31
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. (OH)

I am writing to dispute the continued inaccurate reporting of the following accounts on my credit report dated XX/XX/XXXX. Despite previous disputes and cease-and-desist letters, these accounts remain incorrectly reported. Additionally, under 15 U.S.C. 1681, I assert that I never provided written consent for these accounts and inquiries to be furnished or included in my credit report. I demand immediate correction or deletion of these inaccuracies under the Fair Credit Reporting Act ( FCRA ). 
XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$6500.00} Dispute : Despite my previous dispute and a cease-and-desist letter sent to XXXX XXXX XXXX XXXXXXXX, this account is still incorrectly reported as charged off with a balance due. Please provide verified proof of this charge-off, including documentation from the original creditor. If such proof can not be provided, I demand that the balance be updated to {$0.00}, and the negative payment status be deleted under FCRA Section 611 ( a ). Additionally, I have never provided written consent for this account to be reported. Please provide proof of my written authorization for this account to appear on my credit report. If you can not provide this documentation, I demand that the account be removed immediately. 
XXXXXXXX XXXX Account XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Dispute : I was coerced into paying off this account during a critical time in the home-buying process under the false promise of a " pay to delete '' agreement. After payment, XXXX refused to remove the negative marks, stating that the agreement should have been in writing. This behavior is deceptive and in violation of fair business practices. I demand that all negative information associated with this account be deleted immediately, as the terms of the agreement were not honored, violating FCRA Section 611 ( a ). Furthermore, I never provided written consent for this account to be included in my credit report. Please furnish proof of my written authorization. If such proof is unavailable, this account must be deleted from my report. 
XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$560.00} Dispute : This account is fraudulent, as I am a victim of identity theft. Please remove this account immediately under FCRA Section 605B. Additionally, I have never provided written consent for this account to be reported. If you can not provide documentation of my consent, I demand that this account be removed from my report. 
XXXXXXXX XXXX Account XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$5000.00} Dispute : I did not open this account. It is the result of identity theft. Please remove it from my report under FCRA Section 605B. Moreover, I have not provided written consent for this account to be included in my credit report. Please provide proof of such consent or remove this account immediately. 
XXXX Account XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$740.00} Dispute : This account is also fraudulent. I am a victim of identity theft, and this account must be deleted under FCRA Section 605B. I also did not give written consent for this account to be reported. Please provide proof of my authorization or remove this account from my credit report. 
XXXX XXXX XXXX  ( Collection Account ) Account XXXX XXXX XXXX Balance : {$3000.00} Original Creditor : XXXX XXXX XXXX XXXX Dispute : I have no contract with this debt collector and dispute their legal authority to collect this debt. Please provide proof of debt ownership and legal authority. If such proof can not be provided, the account must be deleted under FCRA Section 611 ( a ). Additionally, I never provided written consent for this collection account to be reported. Please provide proof of my authorization or remove this account immediately. 
Inquiries : XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Dispute : I did not authorize these inquiries, and they are the result of identity theft. Under FCRA Section 605B, I demand their immediate removal. Additionally, I did not provide written consent for these inquiries to be made or reported. Please provide proof of my authorization or remove these inquiries from my report.

Please conduct a thorough reinvestigation of these matters. If the disputed information can not be verified and if you can not provide verifiable proof of my written consent, it must be deleted or corrected immediately. I expect a response within 30 days as required by the FCRA, including an updated credit report reflecting these changes. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX