Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

I assert that the information regarding these accounts is inaccurate, and I am disputing them based on the following grounds : XXXX. XXXX XXXX : Despite providing detailed documentation, including correspondence and photographs, illustrating the return of the vehicle associated with this account via mail and email communication to " XXXX '', the account remains marked as active. There has been no acknowledgment or resolution from the creditor regarding the provided information. 
XXXX. XXXX XXXX XXXX XXXX : The vehicle linked to this account was deemed a total loss, and both insurance and gap insurance policies have completely satisfied the outstanding balance in XX/XX/2021. As such, this account should reflect a XXXX balance and should not be categorized as an outstanding debt. 
XXXX. XXXX XXXX XXXX XXXX : There is no evidence indicating that I have entered into any agreement, such as a loan or a credit card, with this institution. Despite my repeated requests, the creditor has failed to furnish any information validating this account. Therefore, I do not recognize it as belonging to me. 
XXXX. XXXX XXXX XXXX : I have no affiliation with the account referenced and refute any association with it. I demand validation of this account, as it does not correspond to any financial arrangement I have made. 
XXXX. XXXX XXXX : Similar to the previous account, I have no connection to the referenced XXXX XXXX account and contest its inclusion on my credit report. I insist on validation of this account 's existence and any alleged association with me. 

This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ) XXXX15 USC 1681 et seq. 
The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : XXXX. 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. 
XXXX. 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 accuracies. 
XXXX. 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. 

Enclosed with this correspondence are supporting documents substantiating my claims, including copies of communication with XXXX XXXX and documentation of the insurance settlement for the XXXX XXXX XXXX XXXX account. 
I expect you to adhere to the FCRA 's guidelines and conduct a comprehensive investigation into these matters. Please provide me with written documentation of the results of your investigation as per FCRA requirements. 
Thank you for your prompt attention to this matter.