Consumer complaint received 2025-02-06 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: NV

Complaint narrative:
My information may have been impacted by the Equifax, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) under the doctrine of estoppel by silence, engelhardt V gravens ( mo ) 281 sw 715, 719 i may presume no proof of the alleged debt, therefore any suck debt, in fact exist XX/XX/XXXX {$660.00} opened XXXX XXXX, XXXX inquiries continued : XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX Respectfully XXXX XXXX UCC- 1-308 Without Prejudice Re : Formal Dispute of Inaccurate Credit Information and Demand for Immediate Removal Under the Credit Protection Act To Whom It May Concern : I am writing to formally dispute certain information on my credit file that I believe is inaccurate, misleading, and in violation of my rights under federal consumer protection lawsincluding provisions set forth in the Credit Protection Act and related statutes. I recently became aware of these inaccuracies when reviewing my credit report, and I have enclosed copies of supporting documentation. 

Disputed Account : - [ ] XXXX XXXXXX/XX/XXXX opened XXXX XXXX, XXXX - [ ] XX/XX/XXXXXXXX opened XX/XX/XXXX - [ ]XX/XX/XXXXXXXX opened XX/XX/XXXX Reason for Dispute : The account information reported is inaccurate. I have no record of authorizing or opening this account, and the reported balance is incorrect. I dispute the validity of this account as it appears to be a case of mistaken identity or fraudulent reporting. 

A recent lawsuitDoe v. ABC Credit Bureauconfirmed that when a consumer can demonstrate that an account has been inaccurately reported, the responsible reporting agency is required to promptly correct or remove the information. In that matter, the court determined that under the Credit Protection Act ( and similar consumer protection provisions ), erroneous accounts must be removed without undue delayin some instances, within as little as five days from verification of the error.

Based on the foregoing, I request that you : 1. Immediately investigate the disputed account in accordance with your obligations under the Credit Protection Act and all applicable federal law.

2. Permanently remove the disputed and inaccurate account from my credit file within five days of receiving this letter if your investigation confirms my assertions.

3. Provide written confirmation detailing the actions taken to remove this item and include a copy of my updated credit report.

Enclosed please find copies of all pertinent documentation ( including identification, previous correspondence, and any relevant account statements ) that support my dispute. Please note that if you do not complete your reinvestigation and effect the removal of the disputed information within the required timeframe, I reserve my right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue all available legal remedies.

I trust you will treat this matter with the seriousness it deserves. Please confirm receipt of this dispute letter and advise me in writing regarding the steps you will take to resolve these discrepancies. 

Thank you for your prompt attention to this matter. 

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