Consumer complaint received 2025-03-18 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: MA

Complaint narrative:
I am writing to dispute inaccurate and unverified accounts listed on my credit report as of [ Date of Report ]. Under XXXX XXXX. XXXX, I request that you investigate and verify the following accounts. If these accounts can not be verified within 30 days, they must be removed from my credit file under XXXX XXXX. XXXX ( a ) ( XXXX ). 

XXXX XXXX XXXX is reporting an account with the number XXXX. This account is not valid unless proper verification is provided. I request that you obtain full documentation from the furnisher to confirm the accuracy of this account. If the debt collector can not validate the debt, this account must be deleted immediately. 

XXXX XXXX XXXX is reporting an account under the number XXXX. I dispute the accuracy of this account and request an investigation into its validity. This includes obtaining proof that the debt was legally transferred, that the reporting is accurate, and that I am legally responsible for the debt. If proper documentation can not be provided, this account must be removed. 

XXXX XXXX XXXX has reported XXXX separate accounts, XXXX under XXXX and another under XXXX. I dispute the accuracy of these accounts and require proof of their validity. If these debts can not be verified, they must be removed from my credit file in compliance with XXXX XXXX. XXXX ( a ) ( XXXX ). 

I request that you investigate these matters thoroughly and provide me with written confirmation of the results. If any of these debts are verified, I require detailed documentation showing the verification process and the original creditors records. Additionally, if any accounts are corrected or removed, I request an updated credit report reflecting these changes. 

If you fail to properly investigate and remove unverified accounts, I will be forced to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. Additionally, I reserve the right to pursue legal action for violations of the Fair Credit Reporting Act ( XXXX XXXX. XXXX and XXXX ). 

Please keep in mind under XXXXXXXX XXXX XXXXXXXX, debt collectors are required to provide : A copy of the original creditor agreement bearing my signature. 
A complete itemized statement detailing the principal, interest, fees, and payments applied. 
Proof that they are legally authorized to collect this debt. 
Documentation of the full chain of assignment if the debt was purchased. 
If they can not verify the validity of these debts, you must cease collection activity and delete the accounts from my credit report immediately under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). 
Please send all correspondence regarding this matter to my address listed above. 

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