Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX ] ( XXXX XXXX XXXX ext ) [ XXXX, Nc, XXXX ] [ XX/XX/2024 ) Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
I am writing to dispute the validity of the debt you are attempting to collect, as referenced above. I received your [ letter ] regarding this matter. After careful review of my records and the information provided, I have identified several discrepancies and inaccuracies that need to be addressed. Firstly, I dispute the amount of the alleged debt. There seems to be a discrepancy between the amount you claim I owe and any records I have pertaining to this account. I request a detailed breakdown of the debt, including the original creditor 's name, the original account number, dates of transactions, and a comprehensive breakdown of any fees or charges that have accrued. Secondly, I have not received any validation or verification of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide me with proper validation of the debt, including copies of the original contract or agreement, any statements or invoices related to the debt, and proof of your authority to collect this debt. Furthermore, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request that you cease all collection activities until you have provided the requested validation of the debt. Any further attempts to collect this debt without providing proper validation will be considered a violation of my rights under the FDCPA and FCRA. Please be advised that I am fully aware of my rights under the law, and I will take any necessary legal action to protect myself from any unlawful collection practices. I expect a prompt response to this dispute within 30 days from the date of this letter. Failure to respond satisfactorily will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports.

The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports.

The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies. 

3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX