Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Date : XX/XX/year> To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Validation Request XXXX XXXX XXXX ( {$4200.00} ) and XXXX XXXX XXXX ( {$2300.00} ) Dear Experian Dispute Department, I am writing to formally dispute the reporting of XXXX collection accounts currently appearing on my Experian credit report : XXXX. XXXX XXXX XXXX {$4200.00} XXXX. XXXX XXXX XXXX {$2300.00} These accounts are inaccurate, unverifiable, or reported without proper legal authority. I am demanding their immediate and permanent deletion from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Applicable Consumer Protection Laws : 15 U.S.C. 1692c ( c ) Cease Communication : Requires debt collectors to cease reporting and collection activities until full debt validation is provided.

15 U.S.C. 1692g Debt Validation Requirements : Obligates collectors to provide detailed documentation validating the alleged debt and their legal right to collect.

15 U.S.C. 1681i Reinvestigation by Credit Reporting Agencies : Experian must delete or correct disputed information if it can not be verified within 30 days.

15 U.S.C. 1681e ( b ) Accuracy of Credit Reports : Mandates that Experian must maintain accurate and fair procedures in the reporting of credit information.

15 U.S.C. 1681o Liability for Noncompliance : Experian may be held liable for continuing to report inaccurate or unverified data.

Debt Validation Request : I formally request that Experian obtain and forward the following documentation for both accounts : 1. A signed agreement or contract from the original creditor bearing my name and signature.

2. A complete, itemized breakdown of the balance, including fees, interest, and dates of service. 

3. A copy of the assignment contract proving that the debts were legally transferred to XXXX XXXX XXXX and XXXX XXXX XXXX. 

4. A Forward Flow Agreement outlining the terms of debt acquisition and legal authority to report/collect.

Documentation showing compliance with Regulation F under the FDCPA.

Requested Actions : Immediately begin a reinvestigation into both XXXX XXXX XXXX ( {$4200.00} ) and XXXX XXXX XXXX ( {$2300.00} ). 
Permanently delete both accounts from my Experian credit report if they can not be fully validated within 30 days.

Block these accounts from future reinsertion unless verified documentation is received as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide written confirmation of the results of your reinvestigation and any corrections made.

These accounts are damaging my credit standing and, unless corrected in a timely and lawful manner, I will escalate this issue with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and take further legal steps under 15 U.S.C. 1681n & 1681o.

Thank you for your immediate attention to this matter. I expect full compliance within the time allowed by federal law. 

Sincerely, 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