Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report NumberXXXX Experian XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I am writing to formally dispute several erroneous and illegitimate accounts, addresses, and inquiries appearing on my credit report. This letter serves as a demand for immediate removal and correction of the specified entries as required by federal law under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Identity Theft Victim Alert I am a confirmed victim of identity theft, as evidenced by the identity theft report. According to the fraud alert placed on my account dated XXXX XXXX XXXX XXXX XXXX  I have notified you that my identity may have been used without my consent. Under XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX  I demand the immediate blocking of any information resulting from this identity theft.

This letter references specific statutes that you must adhere to when addressing my disputes. Failure to comply will result in the reporting of these violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I am fully prepared to take legal action if necessary to ensure my consumer rights are upheld. I am formally requesting to have my PERSONAL INFORMATION UPDATED and disputing the following ACCOUNTS and INQUIRIES : Personal Information Update Request Correct Legal Name : My correct legal name is XXXX XXXX XXXX, as shown on my government-issued identification. I demand that this be the only name reported on my credit file. Any other variation must be deleted immediately. XXXX XXXX XXXX XXXX XXXX ONLY! Immediately delete any other Name IDs Address : My current and only valid address is : XXXX XXXX XXXX XXXX, XXXX, FL XXXX No other addresses should be listed or reported. I demand the deletion of any and all other addresses from my credit file. Use Address ID XXXX XXXXXXXX Single Family ONLY! Immediately delete any other Address IDs Employment Information : I do not wish to have any employment information listed on my credit report. Specifically, the entry for XXXX XXXX must be permanently removed, along with any other employment data that may appear. 


Contact Information : Please update my current contact information as follows : Phone Number : XXXX - Immediately delete any other numbers listed on my profile Email Address : XXXX - Immediately delete any other emails listed on my profile Spouse or Co-Applicant : IMMEDIATELY REMOVE XXXX from this section of my Experian credit profile. I did not give any authorization for anyone to be listed in this section of my credit profile Any other contact details other than the specific ones I listed above in XXXX  on my credit profile must be removed. 


I demand the immediate deletion of any personal information that does not match what is listed above. This includes any incorrect names, addresses, employment information, or outdated contact details. 







ACCOUNTS : XXXX XXXX Account # XXXX Discrepancies : Date Opened XXXX XXXX XXXX XXXXXX/XX/year> Experian : XX/XX/year> Discrepancy of 5 days. 
Account Number ( Partial ) : XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX Different prefix again possibly mismerged or misreported. 
Account Type - Detail : Both say Credit Card under an Open Account type Inconsistent classification : " Credit Card '' is typically a Revolving account type, not " Open. '' Could be misclassified.

Credit Limit : XXXX  : {$0.00} Experian : {$300.00} Discrepancy of {$300.00}. This affects utilization rate and credit score calculation.

No. of Months ( Terms ) : XXXX  : 0 months Experian : 1 month Conflicting loan term ; this needs clarification as most credit cards dont report in terms. 
Date Last Active : XXXX  : XX/XX/year> Experian : XX/XX/year> XXXX difference. 
Date of Last Payment : XXXX  : No data Experian : No data Missing payment history could indicate reporting errors or a technical issue in the file. 

Violation : Inaccurate reporting of payment history ; no authorization or validation provided. Suspected fraudulent entry. Must be deleted under 1681e ( b ), 1681b, and 1681c-2.

Legal Basis : Under FCRA 623 ( a ) ( 1 ), data furnishers are required to report information accurately. The accounts details contain conflicting status reports, past due amounts, and erroneous payment history, thereby violating this statute. This entry is non-compliant with FDCPA 809, requiring valid verification of debts. The lack of substantiated records for this account also contravenes FCRA 611 ( a ) ( 1 ), which mandates a reinvestigation of disputed information. Under FCRA 605 ( a ), this account 's discrepancies violate reporting accuracy requirements. Furthermore, FCRA 623 obligates furnishers to ensure informations accuracy and integrity ; these obligations are not met. 

XXXX XXXX Account # XXXX Discrepancies : Date Opened : XXXX XXXX XXXX  Experian : XX/XX/year> Discrepancy of 23 days. 
Account Number ( Partial ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian : XXXXXXXX XXXX XXXX XXXX XXXX Different account number prefix ; this could indicate misreporting or merged files. 
Credit Limit : Both bureaus : {$0.00} It is unusual for a secured loan to have a {$0.00} credit limit ; if the account was active, this could be inaccurate. 
No Comments Provided : XXXX  & Experian : No comments Missing required comment Account in dispute if youve disputed or plan to.

Late Payment Reporting : Status : Late 120 Days Last Payment Date : XX/XX/year> Last Reported Date : XX/XX/year> If no payments were made after XX/XX/year>, then a XXXX late status reported in XX/XX/year> could be inaccurate or outdated based on how delinquency is calculated. 


Violation : Inaccurate reporting of payment history ; no authorization or validation provided. Suspected fraudulent entry. Must be deleted under 1681e ( b ), 1681b, and 1681c-2.

Legal Basis : Under FCRA 623 ( a ) ( 1 ), data furnishers are required to report information accurately. The accounts details contain conflicting status reports, past due amounts, and erroneous payment history, thereby violating this statute. This entry is non-compliant with FDCPA 809, requiring valid verification of debts. The lack of substantiated records for this account also contravenes FCRA 611 ( a ) ( 1 ), which mandates a reinvestigation of disputed information. Under FCRA 605 ( a ), this account 's discrepancies violate reporting accuracy requirements. Furthermore, FCRA 623 obligates furnishers to ensure informations accuracy and integrity ; these obligations are not met. 






XXXX Account # XXXX Discrepancies : Account Status : XXXX  : Closed Experian : Paid Paid is not a valid status under Metro 2 formatting ; it should be Closed - Paid or Paid in full.

Date Opened : XXXXon : XX/XX/year> Experian : XX/XX/year> Discrepancy of 25 days. 
Date Last Active : XXXX  : XX/XX/year> Experian : XX/XX/year> Discrepancy of 14 days. 
Comments : XXXX  : " Closed '' Experian : No comment Missing closure comment could affect clarity of account status. 
Payment Status : Both : Late 60 Days If the account is paid and closed with {$0.00} balance and last payment made on XX/XX/year>, the " Late 60 Days '' designation may be outdated or inaccurate if not within the appropriate reporting window. 


Violation : Inaccurate reporting of payment history ; no authorization or validation provided. Suspected fraudulent entry. Must be deleted under 1681e ( b ), 1681b, and 1681c-2.

Legal Basis : Under FCRA 623 ( a ) ( 1 ), data furnishers are required to report information accurately. The accounts details contain conflicting status reports, past due amounts, and erroneous payment history, thereby violating this statute. This entry is non-compliant with FDCPA 809, requiring valid verification of debts. The lack of substantiated records for this account also contravenes FCRA 611 ( a ) ( 1 ), which mandates a reinvestigation of disputed information. Under FCRA 605 ( a ), this account 's discrepancies violate reporting accuracy requirements. Furthermore, FCRA 623 obligates furnishers to ensure informations accuracy and integrity ; these obligations are not met. 



Hard Inquiry DisputXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Violation : FCRA 604 ( a ) ( 3 ) mandates that all inquiries must have an authorized purpose. I request documented proof of permissible purpose for this inquiry. Unauthorized access violates my consumer rights and privacy under the Right to Privacy Law and FCRA 609 ( a ) ( 1 ). Unauthorized access is a clear violation, and if no permissible purpose exists, this entry must be removed.

Resolution Requested : If permissible purpose can not be proven, this inquiry must be removed. 

Demands Under the Law XXXXXXXX XXXX XXXX Section 605B ( 15 U.S.C. 1681c-2 XXXX XXXX XXXX  Block of Information Resulting from Identity Theft : In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally demanding the immediate blocking of the aforementioned accounts as it is a direct result of identity theft. Enclosed is a copy of the identity theft report filed. You are REQUIRED BY LAW to block this information within FOUR ( 4 ) BUSINESS DAYS of receiving this request. Failure to comply will leave me no choice but to take further action against your agency, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 
XXXX XXXX XXXX FCRA Section 604, 15 U.S.C. 1681b XXXX XXXX Permissible Purposes for Furnishing Consumer Reports The fraudulent and unverified nature of the account in question highlights a blatant violation of permissible purposes for furnishing consumer reports. I demand that you REMOVE this information immediately to rectify this significant legal infringement. 

XXXX XXXX XXXX  Gramm-Leach-Bliley Act ( GLBA ) - Protection of Personal Financial Information XXXX XXXX  The protection of my personal financial information is XXXX. Your failure to uphold the tenets of the Gramm-Leach-Bliley Act in safeguarding my sensitive data is unacceptable. I insist that you take IMMEDIATE action to ensure my information is not compromised further.

Summary of Resolution Demands XXXX XXXX  Immediate Removal XXXX XXXX XXXX All listed negative accounts and inquiries are to be deleted without reappearance. 
XXXX XXXX No Reappearance Clause XXXX XXXX  : Failure to comply with these terms will lead to legal consequences and further complaints to relevant regulatory bodies. 
XXXX XXXX Proof of Compliance XXXX XXXX  : I request documented verification of the removal, along with evidence that measures are in place to prevent future inaccuracies. 
XXXX XXXX Pursuant to 15 U.S.C. 6802, I was never informed that the accounts in question would be reported to your bureau, nor was I given the legally required opportunity to opt out. This constitutes a clear violation of federal law. Additionally, under 18 U.S.C. 1028A, the unauthorized use and dissemination of my personal information without lawful authority constitutes identity theft and fraud. Your actions, or the actions of those reporting to you, are in direct violation of these statutes. If the negative items on my credit report are not removed immediately, I will not hesitate to pursue all available legal remedies seeking damages in federal court. Failure to take this matter seriously, as your noncompliance may result in significant legal and financial consequences.

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