Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern : My rights as a consumer are being violated since the information in this credit report is not accurate. The credit report should be verified, complete, and true in order to meet the FCRA and Metro 2 data field formatting standards. If these standards are not followed, it jeopardizes the integrity of the data. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future.

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information for Experian NAME : XXXX XXXX XXXX - Hello , I'm requesting that you update your system with my correct name, which is XXXX XXXX. If you have any records of my name that differ from what I have provided, please delete them immediately. Thank you. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The only reside at is:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove any address you have in your system that does not match Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Experian 2 Year Payment History Account Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Joint Account REAL ESTATE - Account # : Account Type : XXXX Open Balance Owed : XXXX XXXX {$8800.00} Creditor Remarks : Credit Limit : XXXX XXXX - XXXX XXXX Account Status : Creditor Type : - Date Reported : - High Balance : XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX XXXX {$8900.00} Last Payment : Mortgage Date Opened : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Page 1 of 9 XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Payment Amount : XXXX {$160.00} Past Due Amount : {$4800.00} Past due 180 days XXXX Payment Status : Term Length : Unknown XXXX XXXX I am very disappointed that the information in your database is not up-to-date and does not meet the minimum standards for accuracy. If this is not fixed immediately, I will take legal action. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. 
Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
XXXX XXXX XXXX XXXXXXXX Experian Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual - Auto Loan XX/XX/XXXX {$1100.00} Past due 90 days The information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately!

Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive highlighted and circled additional areas of concern. 
2 Year Payment History Account Description : Account # : XXXX XXXX Account Status : Account Type : XXXX INSTALLMENT Balance Owed : XXXX {$23000.00} Credit Limit : XXXX Open Creditor Remarks : XXXX XXXX - Creditor Type : Date Reported : - XX/XX/XXXX XXXX XX/XX/XXXX - Date of Last Activity : High Balance : XXXX {$34000.00} Past Due Amount : XXXX XX/XX/XXXX Payment Amount : XXXX XXXX {$550.00} Term Length : Payment Status : XXXX XXXX 72 Months XXXX - XXXX Experian Experian 2 Year Payment History Account Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual REVOLVING {$100.00} Account # : Account Type : Open XXXX {$0.00} XXXX Balance Owed : Credit Limit : Creditor Remarks : XXXX XXXX - Date Opened : XXXX Last Payment : XXXX XXXX Account Status : XXXX Page 2 of 9 XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Type : - Charge Card Date Reported : - XX/XX/XXXX High Balance : Date of Last Activity XXXX XXXX XXXX {$220.00} Current XXXX was XXXX due 30 days XXXX XXXX XXXX XXXX Last Payment : XXXX Balance Owed : Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} Revolving XXXX XXXX Past Due Amount : XXXX - Payment Status : XXXX XXXX Term Length : The content mentioned above has never been certified to conform to any reporting standards. The data provided has never been verified or complete, and it's also out of date. In order to comply with reporting obligations and consumer legislation, documentation confirming compliance is required. The information given so far is insufficient, and I demand that any wrong, incomplete, or unsupported material be deleted.

Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive highlighted and circled additional areas of concern. 
XXXX XXXX - XXXX Account Description : Experian Individual REVOLVING Credit Card XX/XX/XXXX - {$4000.00} Charge-off Account # : Experian XXXX Closed {$4000.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Revolving Payment Amount : XXXX 2 Year Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : XXXX XXXX Account Status : - Date of Last Activity : XXXX - High Balance : Last Payment : XXXX XXXX Past Due Amount : XXXX Payment Status : Term Length : XXXX XXXX The information you provided is not up-to date and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue! Inaccurate, imperfect information has no place in your database or on my credit report so please delete it now Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive highlighted and circled additional areas of concern. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Credit Limit : XXXX {$3500.00} Creditor Type : Date Reported : XXXX Creditor Remarks : Date Opened : XXXX Payment Amount : XXXX - Account # : XXXX XXXX 2 Year Payment History Page 3 of 9 XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX Account Description : Individual REVOLVING {$1100.00} Credit Card XX/XX/XXXX - Legally paid in full for less than the full balance Account Status : Closed - - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Revolving Account Type : XXXX XXXX Balance Owed : Credit Limit : Creditor Remarks : XXXX XXXX Creditor Type : Date Reported : Date Opened : - XXXX - Date of Last Activity : XXXX XXXX High Balance : XXXX {$1600.00} XXXX Term Length : Payment Status : XXXX The information in the upper section was never proven to meet compliance reporting standards. The information has never been verified to be accurate, complete, timely, or validated. You must provide documented proof of compliance reporting standards and applicable consumer laws. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately!

Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive highlighted and circled additional areas of concern. 
XXXX XXXX XXXX XXXX Experian Account # : Experian XXXX Closed - XX/XX/XXXX XX/XX/XXXX Revolving 2 Year Payment History Account Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Individual REVOLVING {$2000.00} Credit Card XX/XX/XXXX {$110.00} - Paid, was past due 30 days XXXX Account Type : XXXX XXXX Balance Owed : Last Payment : Payment Amount : XXXX - Past Due Amount : XXXX XXXX Account Status : Creditor Remarks : XXXX Account closed at consumers request Credit Limit : XXXX XXXX Creditor Type : Date Reported : Date Opened : - XXXX Date of Last Activity : XXXX XX/XX/XXXX - High Balance : Last Payment : XXXX XXXX Payment Amount : XXXX - Past Due Amount : XXXX Payment Status : Term Length : XXXX XXXX The content mentioned above has never been certified to meet reporting standards. The data provided has never been proven to be accurate, complete, or up to date. In order to comply with any consumer legislation, documentation confirming compliance is required. The information supplied is insufficient and I demand that any wrong, incomplete, or unsupported material be deleted.

Also, see the image above for XXXX XXXX XXXX XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Page 4 of 9 XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Experian 2 Year Payment History Account Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Individual REVOLVING {$1100.00} Charge Card XX/XX/XXXX {$670.00} - Paid, was past due 30 days Account # : Creditor Type : - Date Reported : Date of Last Activity : XXXX - XXXX XXXX Account Status : XXXX Closed Balance Owed : XXXX - Account Type : XXXX Creditor Remarks : Credit Limit : - XX/XX/XXXX XX/XX/XXXX - Revolving XXXX XXXX Date Opened : XXXX Last Payment : XXXX XX/XX/XXXX High Balance : XXXX Past Due Amount : Payment Amount : XXXX XXXX Payment Status : Term Length : XXXX XXXX The information above was never confirmed to be in compliance with proper reporting standards. The information is deficient and I demand that it be removed immediately.

Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive highlighted and circled additional areas of concern. 
XXXX XXXX - XXXX Experian Experian XXXX Individual REVOLVING XXXX {$9500.00} {$8900.00} Charge Card 2 Year Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : Account Status : XXXX Closed Account Description : XXXX Account Type : Balance Owed : XXXX Credit Limit : XXXX Creditor Type : Date Reported : - Date of Last Activity : XXXX XX/XX/XXXX - XX/XX/XXXX - {$9500.00} Charge-off XX/XX/XXXX XX/XX/XXXX - Revolving High Balance : Last Payment : XXXX XXXX Past Due Amount : Payment Amount : XXXX XXXX Payment Status : Term Length : XXXX XXXX The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable Creditor Remarks : XXXX Date Opened : XXXX - Page 5 of 9 XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately! 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive highlighted and circled additional areas of concern. 
XXXX XXXX XXXX 2 Year Payment Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} XX/XX/XXXX - Charge-off Account # : Experian XXXX Closed {$1200.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - Revolving History Account Type : XXXX Account Description : Individual XXXX Balance Owed : Credit Limit : Creditor Remarks : XXXX XXXX Creditor Type : - - High Balance : Date of Last Activity : XXXX XXXX Last Payment : XXXX Term Length : The above mentioned content has never been certified to meet any reporting standards. The data presented has never been verified or proven to be accurate, complete, or up to date. In order to confirm compliance with any reporting obligations or consumer legislation, proper documentation would be required. The information supplied is insufficient, and I demand that any unsupported or incorrect material be deleted. 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Ive highlighted and circled additional areas of concern. 
XXXX XXXX XXXX XXXX XXXX Experian Experian Account Description : Individual REVOLVING {$100.00} Credit Card XX/XX/XXXX XXXX XXXX Account Status : - XXXX XX/XX/XXXX - Date of Last Activity : XXXX XX/XX/XXXX Credit Card Account Status : XXXX XXXX Date Opened : XXXX Date Reported : XXXX Past Due Amount : XXXX {$1200.00} Payment Status : XXXX Payment Amount : XXXX 2 Year Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX - Account Type : XXXX Closed Creditor Remarks : XXXX Credit Limit : XXXX Creditor Type : Date Reported : XXXX - Date Opened : Account # : Page 6 of 9 XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$190.00} - Paid, was past due 30 days Last Payment : XX/XX/XXXX Revolving XXXX XXXX Payment Amount : XXXX - Past Due Amount : XXXX Payment Status : Term Length : XXXX XXXX The derogatory information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately!

Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive highlighted and circled additional areas of concern. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Individual INSTALLMENT - Debt Buyer XX/XX/XXXX {$2000.00} Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Account # : Experian XXXX {$2000.00} - XX/XX/XXXX XX/XX/XXXX - - 1 Month 2 Year Payment History XXXX XXXX XXXX XXXX Account Status : XXXX XXXX Account Description : XXXX Account Type : Balance Owed : XXXX XXXX Credit Limit : Creditor Remarks : XXXX XXXX Creditor Type : Date Opened : - XXXX Date Reported : - High Balance : Date of Last Activity : XXXX XXXX Last Payment : Payment Status : Term Length : XXXX XXXX The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately, as it is deficient.

Also, see the image above for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive highlighted and circled additional areas of concern. 
Sincerely The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well Metro 2 -- it needs certified compliant. 
XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of XXXX Past Due Amount : XXXX {$2000.00} Payment Amount : XXXX Page 7 of 9 XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX my rights, and I will contact my lawyer to take legal action. 
Page 8 of 9 XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Page 9 of 9