Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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. ] **Subject : Urgent Dispute of Credit Report Information Under FCRA Section 605 ( b ) ** Dear Experian, I am writing to dispute the following inaccurate information on my credit report under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). The details of the disputed account are as reported. 

- **Account Name** : [ XXXX XXXX XXXX ] XXXX **Account date ** : [ XX/XX/XXXX ] - **Description of Discrepancy** : [ Wrong open and close dates, and wrong balances, I never opened this account. ] - **Account Name** : [ XXXX XXXX XXXX XXXX ] - **Account date ** : [ XX/XX/XXXX ] - **Description of Discrepancy** : [ Wrong open and close dates, and wrong balances, I never opened this account. ] - **Account Name** : [ XXXX ] XXXX Number** : XXXX - XXXX date ** : [ XX/XX/XXXX ] - **Description of Discrepancy** : [ I never opened this account, Wrong balances, sold to XXXX party lender, wrong dates open/ close. ] - **Account Name** : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - **Account date ** : [ XX/XX/XXXX ] - **Description of Discrepancy** : [ I never opened this account, wrong dates and balances, inaccurate information. ] **Personal Information : ** - **Name : ** 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 Given the nature of this discrepancy, I request the immediate removal of this collection from my credit report. Under the FCRA, you must investigate my claim and correct any inaccuracies within 72 hours ; however, I urge you to address this matter within the next 72 hours due to the immediate impact it has on my financial standing. 

I have attached supporting documentation to verify my assertion, including Ftc reports, credit reports with inaccuracies with incorrect open and close dates, Here 's a sample dispute letter referencing Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ) and additional U.S. Code references, requesting the removal of a collection from your credit report within 72 hours : **Subject : Urgent Dispute of Credit Report Information Under FCRA and U.S. Code** I am writing to formally dispute the following inaccurate collection account on my credit report, and to invoke my rights under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681c-2 , 15 USC 1666, and 15 USC 1679g.

The presence of this inaccurate information is negatively impacting my credit score and financial standing. Therefore, I request the immediate removal of this collection from my credit report. Per the FCRA, I am entitled to a thorough investigation, and I urge you to expedite this matter within 72 hours.

Attached to this letter, you will find documentation supporting my claim, including [ Ftc reports annual credit reports with inaccuracies also photos of inaccuracies ].

Please confirm the removal of these collection account from my credit report and provide me with a copy of the updated report at your earliest convenience. For any inquiries, I can be reached at the phone number or email address listed above. 

Thank you for your immediate attention to this urgent matter. 
FTC report # : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation