Consumer complaint received 2024-09-25
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX **Phone : XXXX **SSN : XXXX **DOB : XXXX Dear Experian Dispute Department, I have asked each one of these companies down below for them to produce the physical contract of the agreement of me agreeing to pay this debt with my wet signature on it. Its been passed two months by law. They have 60 days and they have not responded with any contract or any evidence, linking me to these account or verifying the account is mine. They have failed to produce any evidence in that event. These need to be deleted from my consumer report immediately thats federal law. I am writing to formally dispute multiple inaccuracies in my credit report. The details of the account in question are as follows : **Account Number : ** XXXX XXXX Type : ** Charge Card **Date Opened : ** XX/XX/XXXXXXXX XXXX*Status : ** Closed **Balance : ** {$320.00} ( written off ) **Credit Limit : ** {$2500.00} **Total Balance : ** {$130.00} **Balance Updated : ** XX/XX/XXXX **Past Due Amount : ** {$120.00} ( as of XX/XX/XXXXXXXX XXXX  ) **Highest Balance : ** {$320.00} **Last Payment Date : ** XX/XX/XXXX **Status Updated : ** XX/XX/XXXXXXXX XXXX  I am disputing the following aspects of this account and requesting their immediate correction or removal from my credit report : 1. **Status : ** The status of this account is reported as " Account charged off. '' This is inaccurate, and I dispute this reporting. 
2. **Date Opened : ** The reported date of XX/XX/XXXXXXXX XXXX  is incorrect. I dispute this date and request it be corrected. 
3. **Account Type : ** This account is incorrectly reported as a " Charge Card. '' I dispute this classification.

4. **Balance : ** The reported balance of {$320.00} ( written off ) is incorrect. I dispute this amount.

5. **Total Balance : ** The total balance of {$130.00} is inaccurate. I dispute this figure. 
6. **Balance Updated Date : ** The balance update date of XX/XX/XXXXXXXX XXXX is incorrect. I dispute this date. 
7. **Highest Balance : ** The reported highest balance of {$320.00} is incorrect. I dispute this amount. 
8. **Last Payment Date : ** The last payment date of XX/XX/XXXXXXXX XXXX XXXXs incorrect. I dispute this date. 
9. **Variety of Account : ** The classification and reporting of this account do not reflect the accurate nature and variety of the account. 

**Legal Basis for Dispute : ** According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate and verifiable information. The burden of proof lies with the credit reporting agency and the data furnisher, not the consumer. As such, I request that you provide me with physical documentation, including a contract with the creditor that bears my physical affidavit signature. Template responses directing me to contact the data furnisher are not acceptable. 

**FCRA Sections Violated : ** - **Section 609 ( a ) ( 1 ) : ** Right to obtain all information in my file.

- **Section 611 ( a ) ( 1 ) ( A ) : ** Mandate to conduct a reasonable investigation upon notice of dispute.

- **Section 623 ( a ) ( 3 ) : ** Requirement for furnishers to notify consumer reporting agencies of corrections to inaccurate information. 

If you can not produce these documents and factual evidence proving the accuracy of the reported information, then you must delete this account from my credit report immediately. 

Please send me a detailed response, along with the documentation used in your investigation, to the address listed above. Failure to comply will result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

** [ Credit Bureau Name ] ** ** [ Credit Bureau Address ] ** ** [ City, State, ZIP Code ] ** **Subject : Dispute of Inaccurate Information and Request for Verification XXXX XXXX XXXX Format** Dear Sir/Madam, I am writing to formally dispute several inaccuracies on my credit report and request a detailed investigation under the Fair Credit Reporting Act ( FCRA ), Sections 609 and 623. Please format the investigation results using the XXXX XXXX system. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX **Account Number : ** XXXX - **Original Creditor : ** XXXX XXXX - **Date Opened : ** XX/XX/XXXXXXXX  - **Status : ** Closed, Charged Off - **Balance : ** {$84.00} written off - **Last Payment Date : ** XX/XX/XXXXXXXX XXXX XXXX XXXX **Monthly Payment : ** {$0.00} - **Terms : ** 6 Months - **Comments : ** Purchased by another lender **Dispute Details : ** - **Balance : ** [ Code 22 - Charge-Off Status ] The reported balance of {$84.00} written off is inaccurate. Please verify and correct. 
- **Credit Limit : ** [ Code 24 - Credit Limit Not Reported ] The credit limit is not accurately reported or missing.

- **Date Opened : ** [ Code 06 - Date Opened Inaccurate ] Confirm and correct the date the account was opened.

- **High Balance : ** [ Code 30 - High Balance Inaccurate ] High balance should reflect accurate usage history. 
- **Last Payment Made : ** [ Code 11 - Last Payment Date Incorrect ] Verify and correct the last payment date.

- **Maximum Delinquency : ** [ Code 20 - Max Delinquency Not Accurate ] Verify the maximum delinquency amount.

- **Terms : ** [ Code 32 - Terms Inaccurate ] Verify and correct the terms of the account. 
- **Responsibility : ** [ Code 42 - Responsibility Status Incorrect ] Confirm and correct the account responsibility.

- **Remarks : ** [ Code 50 - Remarks Accuracy ] Ensure remarks are accurate or delete if incorrect.

- **Pay Status : ** [ Code 12- Pay Status Inaccurate ] Verify and correct the pay status.

- **Past Due : ** [ Code 22 - Past Due Amount Incorrect ] Verify and correct the past due amount.

- **Original Charge-Off : ** [ Code 21- Original Charge-Off Amount Inaccurate ] Confirm and correct the charge-off amount.

**Request : ** Provide a physical copy of the signed contract. Without this documentation, remove the account from my credit report per FCRA Section 611. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ** - **Account Number : ** XXXX - XXXX*Date Opened : ** XX/XX/XXXX - **Status : ** Closed, Charged Off - **Balance : ** {$130.00} written off, {$130.00} past due as of XX/XX/XXXX - **Last Payment Date : ** XX/XX/XXXX - **Monthly Payment : ** {$130.00} - **Comments : ** First payment never received, previously in dispute **Dispute Details : ** - **Balance : ** [ Code 22 - Charge-Off Status ] The balance reported is incorrect. Please verify and update.

- **Credit Limit : ** [ Code 24 - Credit Limit Not Reported ] The credit limit is either missing or incorrectly reported.

- **Date Opened : ** [ Code 06 - Date Opened Inaccurate ] Verify and correct the opening date of the account. 
- XXXXHigh Balance : ** [ Code 30 - High Balance Inaccurate ] Confirm and correct the high balance reported.

- **Last Payment Made : ** [ Code 11 - Last Payment Date Incorrect ] Update the last payment date to reflect accuracy.

- **Maximum Delinquency : ** [ Code 20 - Max Delinquency Not Accurate ] Verify the maximum delinquency amount.

- **Terms : ** [ Code 32 - Terms Inaccurate ] Confirm and correct the terms of the account. 
- **Responsibility : ** [ Code 42 - Responsibility Status Incorrect ] Verify and update the responsibility status.

- **Remarks : ** [ Code 50 - Remarks Accuracy ] Ensure remarks are accurate or delete if incorrect.

- **Pay Status : ** [ Code 12- Pay Status Inaccurate ] Verify and correct the current pay status. 
- **Past Due : ** [ Code 22 - Past Due Amount Incorrect ] Confirm and correct the past due amount.

- **Original Charge-Off : ** [ Code 21- Original Charge-Off Amount Inaccurate ] Verify and update the charge-off amount.

**Request : ** Provide the physical signed contract. If not provided, remove the account per FCRA Section 611.

# # - **FTC Identity Theft Affidavit** - **Police Report** **Action Required : ** 1. **Immediate Closure : ** Close the fraudulent account and cease all collection activities. 
2. **Information Removal : ** Remove all information related to the fraudulent account from my credit file.

3. **Written Confirmation : ** Provide written confirmation of the actions taken within 30 days, as required by FCRA XXXX 

Please ensure that all inaccuracies are corrected and that the fraudulent accounts are removed promptly. Thank you for your immediate attention to this matter. 

SincerelyXXXX XXXX XXXX XXXXXXXX XXXX-