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

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian, I am writing to formally dispute the inaccurate reporting of a collection/charge-off account that appears on my credit report under the account number referenced above. I am disputing this entry under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S.C. 1681, which mandates that credit reporting agencies must report accurate and complete information. The information being reported on this account is inaccurate and must be corrected or removed promptly. 

Here are the specific reasons for my dispute : 1. Inaccurate Reporting : The details of this account, including [ e.g., the balance, account status, or date of first delinquency ], are incorrect and do not accurately reflect my history or obligations. 

2. Failure to Verify Debt : Under FCRA, the data furnisher is required to verify the accuracy of the information reported. To date, I have not received sufficient validation of this debt, and it should be removed from my report until such verification is provided. 

3. Re-aging of Debt : The reported date of first delinquency is incorrect, and the debt has been re-aged, making it appear newer than it is. According to FCRA guidelines, debts must be reported accurately, including the proper dates. 

4. Outdated or Incomplete Information : The reporting of this account is incomplete, as [ specify the missing or incorrect details, such as payment history or account resolution ]. 
Under FCRA, credit bureaus must ensure that all reported information is complete. 

1. There is no authenticated record or signed contract under XXXX to prove the legitimacy of this debt. 
XXXX Account Number : XXXX PLEASE DELETE 2. There is no authenticated record or signed contract under XXXX to prove the legitimacy of this debt. 
XXXX Account Number : XXXX PLEASE DELETE 3. The debt is not legally enforceable under XXXX because there is no record of the original loan contract. 
XXXX  Account Number : XXXX PLEASE DELETE 4. The original creditor or collector failed to provide proper notice of default or sale under XXXX requirements. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. COLLECTION/ CHARGE OFF REPORTING A BALANCE AND PAST DUE. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. There is no authenticated record or signed contract under XXXX to prove the legitimacy of this debt. 
01 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. The original creditor or collector failed to provide proper notice of default or sale under XXXX requirements. 
XXXX Account Number : XXXX Please remove it from my credit report. 

Please conduct an investigation into this matter and correct or remove this erroneous information from my credit report as required by law. In compliance with 15 U.S.C. 1681i, you are required to investigate and respond to this dispute within 30 days. 

Additionally, I request that you forward this dispute and supporting evidence to the creditor or data furnisher in question, as required by 15 U.S.C. 1681i ( a ) ( 2 ), so they may review the inaccuracies and provide corrections if necessary. 

Please send me confirmation that this account has been corrected or removed once th investigation is complete. 
Thank you for your prompt attention to this matter. I look forward to receiving the results of your investigation within the statutory timeframe. 

Sincerely, XXXX XXXX