Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Dispute for Inaccurate Reporting - Request for Immediate Investigation and Removal Account in Question : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$320.00} Status : Closed, charged off Dear Experian Dispute Department, I am writing to formally dispute the inaccurate and unverifiable information being reported on my credit file in relation to the above-referenced XXXX XXXX XXXX account . This dispute is submitted under my rights provided by the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ), which entitles me to request full verification of any account reported on my credit file. An immediate investigation into the accuracy of this account is required. 

Nature of Dispute : Fraudulent Account : I am disputing this account as fraudulent. I have never opened an account with XXXX XXXX XXXX, and this account was opened without my authorization. I have submitted an Identity Theft Report to the Federal Trade Commission ( FTC ) and filed a police report with the XXXX Police Department, both of which are enclosed with this letter. 
Failure to Verify Information : The balance, account status, and other reported information are inaccurate. The account shows a balance of {$320.00} and past-due status as of XX/XX/XXXX, yet XXXX XXXX XXXX has failed to provide proper documentation validating this debt. I demand full verification of this account, including a copy of the original contract with my wet signature. 

Legal Demands for Verification : Pursuant to FCRA Section 609 ( a ) ( 1 ) ( A ), I demand that Experian provide me with : 1. A copy of the original contract for this account with my wet signature as proof of validation. A mere statement or computer-generated record is insufficient and does not constitute legal proof of this debt. 
2. Verification of all information reported by XXXX XXXX XXXX, including the balance, payment history, and account status. 

Failure to Provide Verification : If XXXX XXXX XXXX  can not provide the requested documentation, as required by FCRA Sections 611 and 623, you are obligated to delete this account from my credit file. Reporting unverifiable or inaccurate information is a violation of the FCRA, and I expect this to be resolved promptly. 

Supporting Documentation : A copy of my FTC Identity Theft Affidavit A copy of the XXXX Police Department Identity Theft Report A copy of my UCC-11 filing indicating no legitimate claim from XXXX XXXX XXXX Expected Resolution : If this account can not be fully verified within 30 days, I expect it to be deleted from my credit file in accordance with FCRA guidelines. Please confirm receipt of this dispute and notify me of the outcome once your investigation is complete. 

This letter has been sent via certified mail with a return receipt requested to ensure timely processing. Should this dispute remain unresolved, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXXXXXX XXXX  Enclosures : FTC Identity Theft Affidavit XXXX Police Department Identity Theft Report UCC-11 Filing Copy of Drivers License Proof of Address