Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Permanent Deletion Request False, Inaccurate, and Unverifiable Collection Accounts Reporting on My Credit Profile To Whom It May Concern, I am filing this formal complaint regarding the unlawful reporting of multiple collection accounts on my credit profile that do not belong to me and are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

These accounts are fraudulent, inaccurate, unverifiable, and have never been validated through any legally required process. I demand the immediate and permanent deletion of the following accounts within 5 business days or less, preferably within 24 hours, due to statutory violations and the emotional distress caused by their false presence on my consumer reports. 

List of False and Inaccurate Accounts : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX {$1400.00} Violation : No signed contract, no proof of ownership, unverifiable data. No FDCPA-compliant debt validation provided. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Amount : {$88.00} Violation : Failure to provide account documentation, billing history, or original contract. Inaccurate balance and unverifiable reporting. 

XXXX XXXX XXXX Original Creditor : XXXX Bank XXXX : {$1300.00} Violation : No legal proof of assignment. Debt buyer has not validated the debt or proven lawful ownership. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX Bank XXXX. 

Amount : {$1300.00} Violation : Continued reporting without validation is a direct violation of FCRA 611 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ). 

XXXX XXXX XXXX Original Creditor : XXXX XXXX New York XXXX XXXX XXXX : {$640.00} Violation : No contract, terms, or original documents provided. Debt is unverifiable under FCRA and FDCPA. 

XXXX XXXX XXXX Original Creditor : XXXX Bank XXXX : {$470.00} Violation : Inconsistent and inaccurate balance, dates, and terms. Not properly verified or validated. 

Legal Grounds for Deletion : FCRA 1681e ( b ) : Inaccurate and unverifiable data violates the duty to maintain maximum possible accuracy.

FCRA 1681i ( a ) ( 5 ) ( A ) : If the data can not be verified within 30 days, it must be deleted.

FCRA 1681s-2 ( b ) : Furnishers must investigate disputes and delete inaccurate or unverified data.

FDCPA 809 ( b ) ( 15 USC 1692g ) : A debt collector must provide proper validation of the debt upon request. If it can not, all collection activity and reporting must cease. 

XXXX XXXX : XXXX XXXX TransUnion XXXX, 115 F.3d 220 ( 3rd Cir. 1997 ) CRAs must go beyond parroting furnisher data ; unverifiable data must be removed.

Richardson v. Equifax, 2004 WL 1124689 ( N.D. Ill. ) Reporting inaccurate and unvalidated data exposes furnishers and CRAs to liability.

Clark v. Capital Credit & Collection Servs., 460 F.3d 1162 ( 9th Cir. 2006 ) Debt collectors must prove ownership and validity of the debt to report or collect.

I demand that all listed accounts be : Deleted permanently from all credit reporting agencies ( Experian, Equifax, TransUnion ), Blocked from reinsertion under FCRA 1681i ( a ) ( 5 ) ( B ), And that I be provided with written confirmation once the deletions are processed.

Failure to act in accordance with the law will result in legal action, claims for statutory and actual damages, and further complaints to the FTC and State Attorney General.

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