Consumer complaint received 2024-10-20
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. (MI)

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Accounts and Hard Inquiries Report Number : [ Insert Report Number ] Date of Report : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and legitimacy of the following negative items on my credit report : 1. Collections Accounts : XXXX XXXX XXXX XXXX XXXX : {$960.00} ( Original Creditor : Independent Emergency Physician ) XXXX XXXX XXXX : {$660.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. Hard Inquiries : XXXX XXXX XXXX : Inquiries on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 
XXXX XXXX : XXXX on XX/XX/XXXX. 
XXXX XXXX : XXXX on XX/XX/XXXX. 

I believe these items are inaccurate for the following reasons : XXXX. Failure to Verify Debt Properly ( Fair Credit Reporting Act - FCRA 15 U.S.C. 1681s-2 ) : Under the FCRA, data furnishers and credit reporting agencies are required to ensure maximum possible accuracy of the information they report. I demand that you provide full documentation and verification from the original creditors or furnishers proving the validity of these debts and inquiries. If you can not provide this documentation, these items must be removed immediately from my credit report.

2. Unauthorized Inquiries ( FCRA 15 U.S.C. 1681b ) : Credit inquiries can only be conducted with my express permission. I did not authorize the aforementioned inquiries. Therefore, under the FCRA, these inquiries were illegal and should be removed from my report immediately.

3. Right to Validation ( Fair Debt Collection Practices Act - FDCPA 15 U.S.C. 1692g ) : Collection agencies must provide written validation of the debts they are attempting to collect. I request immediate validation of the collections from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  If this validation is not provided, or the debt is found to be invalid, these collections must be removed from my credit report, and I will consider legal action for damages caused by the inaccurate reporting. 

4. Potential Legal Repercussions : Should Experian and the associated furnishers fail to comply with my legal rights under the FCRA and FDCPA within 30 days of receiving this notice, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office. Additionally, I may pursue legal action for violations of the FCRA and FDCPA, which carry statutory damages of up to {$1000.00} per violation. 

XXXX. Request for Investigation : Under the FCRA, I formally request that you investigate the items listed above and remove any inaccurate, incomplete, or unverifiable information from my credit report. I expect to receive written confirmation of the results of your investigation within 30 days as required by law. 

I appreciate your prompt attention to this matter. Please send all correspondence to the address listed above. Failure to correct these inaccuracies will result in further legal action to protect my rights under federal law. 

.