Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

**Subject : Urgent Dispute Inaccurate and Misleading Reporting of Account XXXX XXXX Account Number XXXX Dear Sir/Madam, This letter constitutes a formal dispute regarding the inaccurate and misleading information reported on my credit file concerning account XXXX XXXX, account number XXXX. The inconsistencies and omissions present a seriously flawed representation of my credit history and are causing demonstrable harm to my credit score.

The report suffers from multiple critical flaws : 1. **Conflicting Account Status : ** The report simultaneously claims the account is " Paid Off '' with a {$0.00} balance and " Charged Off '' with a {$84.00} write-off. This blatant contradiction renders the report unreliable and necessitates immediate correction.

2. **Missing Crucial Data : ** The absence of the original balance, original creditor, and details regarding the lender who purchased the account prevents any meaningful assessment of the account 's validity and history. This lack of transparency is unacceptable.

3. **Unclear Payment History : ** The " CO '' designations in XXXX and XX/XX/year>, coupled with the contradictory " Paid Off '' status, create further confusion and raise serious questions about the accuracy of the reported payment activity.

4. **Potential for Fraudulent Reporting : ** The combination of missing information, conflicting statuses, and vague notes ( " Purchased by another lender '' ) raises concerns about the possibility of fraudulent or inaccurate reporting. A full and transparent investigation is required.

I demand a complete and immediate investigation into the accuracy of this account reporting. I request that you remove this account from my credit report until a full and accurate accounting of all transactions and balances is provided, verifying the true status of the account and rectifying the glaring inaccuracies. Failure to promptly resolve this matter will necessitate further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).

I have attached a copy of the disputed credit report. I expect a written confirmation of receipt of this dispute and a detailed update on the progress of your investigation within seven ( 7 ) business days. Please contact me at the number or email provided above to discuss this matter further.

**Subject : Urgent Dispute Illegal Reporting of Account XXXX XXXX, Account Number XXXXXXXX XXXX Confirmation of Fraudulent Account** Dear Sir/Madam, This letter constitutes a formal dispute regarding the illegal and inaccurate reporting of account XXXX XXXX, account number XXXX, on my credit file. This reporting is not only inaccurate but also demonstrably illegal, causing significant damage to my credit score.

The report contains numerous critical flaws, including conflicting account statuses ( " Paid Off '' and " Charged Off '' ), missing crucial data ( original balance, original creditor ), and an unclear payment history. Furthermore, and most importantly : * **Account Sold to XXXX : ** The account was sold to XXXX XXXX. My credit report notes explicitly document this sale. XXXX no longer owns or has any legal right to report on this account. Their continued reporting is a clear violation of reporting regulations. 

* **XXXX  Confirmation of Fraud and Account Closure : ** I have contacted XXXX XXXX, who confirmed the account is fraudulent. Following an investigation prompted by my police report and FTC affidavit, they have cancelled the debt and ceased reporting it. Their documentation supports this.

The continued reporting of this account by XXXX is not only inaccurate but also unlawful. Their actions are causing substantial harm to my credit rating, based on information they no longer have the right to report.

I demand the immediate removal of this account from my credit report. The documentation provided to XXXX, substantiating the fraudulent nature of the account and its subsequent closure, unequivocally proves XXXX reporting is false and illegal. Failure to immediately comply with this request will necessitate further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action. 

I have attached a copy of the disputed credit report, along with copies of my police report, FTC affidavit, and XXXXXXXX XXXX confirmation of the fraudulent account and debt cancellation. I expect a written confirmation of receipt of this dispute and a detailed update on the immediate removal of this account within seven ( 7 ) business days. Please contact me at the number or email provided above to discuss this matter further.

Sincerely,