Consumer complaint received 2024-06-12
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)

To Whom It May Concern, I am writing to dispute the validity of the collection account listed on my credit report, referenced by the account number. Also, I am writing to dispute several inaccuracies and discrepancies on my credit report, which I believe require immediate attention. Upon reviewing my credit report, I have identified numerous errors that adversely impact my creditworthiness and financial standing. The inaccuracies include the following : Lack of Notification : I have not received any prior notification about the existence of the following accounts, which have appeared on my credit report without my knowledge : {$3600.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX AND XXXX Last reported XX/XX/XXXX {$1600.00} Open balance XXXXXXXX XXXX XXXX Original creditor SNAPSHOT Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXXXXXX XXXX XXXX  XXXX CREDIT MANAGEMEN Last reported XX/XX/XXXX {$810.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$730.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$610.00} Open balance XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$560.00} Open balance XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$560.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX Identity Theft and Fraud : Several accounts listed on my credit report were opened fraudulently as a result of identity theft. I have reported these incidents to the relevant authorities and have taken steps to rectify the situation. Debt That Has Already Been Paid : I have already settled or paid off certain debts that are still being reported as outstanding on my credit report. Incorrect Balance : The reported balances on several accounts are inaccurate and do not reflect the correct amounts owed. Duplicate Collections : There are duplicate entries for the same debt on my credit report, which is inflating the total amount owed and misrepresenting my financial obligations. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Therefore, I request that you conduct a thorough investigation into these matters and take the necessary steps to correct the inaccuracies promptly. Specifically, I request the following actions : Verification of the accuracy of the information reported, including balances, payment history, and account status. Removal of any accounts that were opened fraudulently as a result of identity theft. Correction of any inaccuracies related to debts that have already been paid or settled. Elimination of duplicate collections entries. I kindly ask that you provide me with a written response detailing the results of your investigation and any actions taken to address these disputes. Please send all correspondence to the address listed above. Thank you for your prompt attention to this matter. I expect a timely resolution in accordance with the FCRA guidelines. Sincerely, XXXX XXXX Under XXXX XXXX ( b ) of the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ), I am entitled to dispute inaccuracies in my credit report directly with the furnisher of the information. Upon reviewing my credit report, I discovered an entry from your agency regarding a debt allegedly owed by me. However, I assert that this debt is inaccurate, and I am exercising my rights under the Fair Credit Reporting Act to dispute its validity. According to Section 605 ( b ) ( 15 U.S. Code 1681c-2 ), before reporting any negative information to a credit reporting agency, including the collection of debts, the furnisher of such information must provide notice to the consumer. This notice should include the following information : The amount of the debt. The name of the creditor to whom the debt is owed. A statement that the consumer has thirty days to dispute the debt 's accuracy. A statement that the debt will be assumed valid by the collection agency unless the consumer disputes it within thirty days. I have not received any such notice regarding the debt in question. Therefore, I request that you provide me with the required notice and documentation within thirty days of the date of this letter. Until such time, I demand that you cease all collection activities and refrain from reporting this debt to any credit reporting agency. Furthermore, please be advised that failure to comply with the requirements outlined in Section 605 ( b ) ( 15 U.S. Code 1681c-2 ) may result in legal action being taken against your agency. Please provide written confirmation that you have received this dispute letter and are investigating the matter. Additionally, please inform me of any actions taken on your part to rectify this issue. Thank you for your prompt attention to this matter. Sincerely,