Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Here 's a tailored dispute letter based on the provided information : [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] RE : Dispute of Collection Account [ Account Number XXXX ] Dear [ Credit Bureau Name ], I am writing to formally dispute the collection account referenced above, which is reported on my credit report. This account contains inaccurate information that needs to be addressed promptly. 

XXXX. Request for Creditor Information ( 15 USC 1692g ( a ) ( 2 ) ) : Pursuant to 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the original creditor for this account.

2. Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) : Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt. Specifically, I need a detailed breakdown of how the {$930.00} balance was calculated. This request is strictly for the validation of the amount of the alleged debt under 15 USC 1692g ( a ) ( 1 ).

3. Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) : Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported. This should include the business name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description must be provided within 15 days of receiving this request.

Here are the specifics of the disputed information : Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$930.00} No. of Months ( terms ) : XXXX High Credit : {$0.00} Credit Limit : {$1500.00} Past Due : {$930.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account was in dispute - now resolved - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Please find enclosed copies of documents supporting my dispute, including : A copy of my credit report highlighting the collection account in question Any previous correspondence regarding this matter I request that you conduct a thorough investigation of this dispute and provide me with written confirmation of the removal of this collection account from my credit report. Additionally, please send me a corrected copy of my credit report upon completion of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your immediate response.

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