Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate, outdated, or unverifiable information appearing on my credit report as provided by XXXX on XX/XX/XXXX. This dispute is being submitted pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXXi. 
My Correct Personal Information : * Full Legal Name : XXXX XXXX XXXX * Date of Birth : XXXX * Current Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Disputed Items on My Credit Report : Please investigate and remove or correct the following : 1. Incorrect Name VariationsThe report includes inaccurate name variations such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese are not correct or authorized variations of my legal name. 
2. Outdated and Incorrect Previous AddressesI no longer reside at, nor do I have any current connection to the following addresses : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 XXXX XXXXThe listed employer information may be outdated or inaccurate. Please verify and update if necessary. 
Under the FCRA, credit reporting agencies are required to maintain only accurate and verifiable data. If the information listed above can not be verified, it must be deleted immediately. 
I request that you complete your investigation within 30 days, as required by law, and that you provide me with the results in writing along with an updated copy of my credit report. 


to formally dispute several accounts listed on my credit report obtained via XXXX on XX/XX/XXXX. This letter is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXXi, which requires credit reporting agencies to maintain only accurate and verifiable data. 
My Identifying Information : * Full Legal Name : XXXX XXXX XXXX * Date of Birth : XXXX * Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Disputed Accounts : Please investigate and verify the accuracy of the following accounts. If the information can not be verified, it must be immediately deleted under the FCRA : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  * Balance : {$15000.00} * Date Closed : XX/XX/XXXX * Reporting across all 3 bureaus * Dispute reason : Debt is not recognized and may be inaccurate or unverifiable. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$340.00} * Date Closed : XX/XX/XXXX * Dispute reason : Inaccurate balance or duplicate reporting ; debt not verified. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$1500.00} * Date Closed : XX/XX/XXXX * Dispute reason : Account not recognized ; verification required. 
XXXX. XXXX XXXX * Balance : {$2700.00} * Date Closed : XX/XX/XXXX * Dispute reason : Charge-off marked without proper notification or supporting documentation. 
XXXX. XXXX XXXX XXXX * Balance : {$18000.00} * Date Closed : XX/XX/XXXX * Dispute reason : Account marked as charge-off inconsistently across bureaus. 
XXXX. XXXX XXXX * Balance : {$270.00} * Date Closed : XX/XX/XXXX * Dispute reason : Payment history may be inaccurate ; please verify dates and status. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  * Balance : {$0.00} * High Balance : {$1000.00} * Date Closed : XX/XX/XXXX * Dispute reason : Marked charged off though balance is XXXX. 
XXXX. XXXX XXXX XXXX XXXX * High Balance : {$2500.00} * Date Closed : XX/XX/XXXX * Dispute reason : This account was closed and paid ; reporting as late is inaccurate. 
XXXX. Unsecured Personal Loan Accounts ( 2 visible ) * Balances : {$520.00} and {$260.00} * Closed : XX/XX/XXXX * Dispute reason : Reporting inconsistencies, incorrect charge-off status. 

FCRA Request : I am requesting the following under the FCRA : * A full investigation of the above-listed accounts. 
* Written documentation showing verification of each item. 
* Immediate deletion of any unverifiable or inaccurate items. 
* An updated credit report sent to my address after the investigation is complete. 
Please complete your investigation within 30 days, as required by law. 

To formally dispute several entries currently being reported on my credit file, which I obtained through XXXX on XX/XX/XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXXi, I request a prompt investigation into the accuracy and completeness of these items. 
Personal Details : * Full Name : XXXX XXXX XXXX * Date of Birth : XXXX * Current Address : XXXX XXXX XXXX, XXXX, PA XXXX Disputed Accounts : XXXX. XXXX XXXX ( Multiple Accounts ) * Account 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 Reported Balances : {$1300.00} | {$5800.00} | {$2700.00} * Charge-Off Status reported by TransUnion and XXXX  * Closed Dates : Varying, XXXX * Dispute Reason : These accounts are either reported inconsistently or appear multiple times under different account numbers. Please verify the legitimacy, accuracy, and completeness of each entry. If duplication or unverifiable data is found, please remove immediately. 
XXXX XXXX  XXXX XXXX * Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} * Closed : XX/XX/XXXX * Reported by XXXX, ExperianXXXX XXXX  * Dispute Reason : Account is reported as charged-off without supporting documentation. I do not recall any notice of default or charge-off, as required under the FCRA and Truth in Lending Act ( TILA ). I request full verification or deletion. 

Requested Action : Under XXXX U.S.C. XXXXi ( a ) of the FCRA, I am requesting : * A full reinvestigation of each disputed item. 
* Copies of any documentation used to verify these accounts.

* Immediate deletion of any accounts that can not be verified or are inaccurate. 
Please complete the investigation and provide a written response along with an updated credit report within the 30-day period allowed by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX I am requesting that you do not respond with form letters, boilerplate language, or label this dispute as frivolous. Under FCRA XXXXi ( a ) ( 3 ), a CRA must not disregard a dispute unless it has a clear basis that it is irrelevant or previously addressed with verifiable proof. Simply stating the account has been verified without providing actual documentation from the original creditor is not sufficient and is considered a violation of federal law. 

Furthermore, repeated vague or incomplete responses will be considered evidence of stall tactics and non-compliance. Any attempt to delay the 30-day reinvestigation deadline will be documented and, if necessary, reported to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies for enforcement action.

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