Consumer complaint received 2025-07-04 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: CA

Complaint narrative:
# DISPUTE LETTER FOR PERMANENT ACCOUNT DELETION XX/XX/year> * * TO : * * * * Experian Information Solutions XXXX XXXX * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- - # # RE : FORMAL DISPUTE AND DEMAND FOR PERMANENT DELETION OF INACCURATE ACCOUNT INFORMATION -- -- - # # # DISPUTED ACCOUNTS FOR PERMANENT DELETION I hereby formally dispute the accuracy and validity of the following accounts appearing on my credit reports and DEMAND their immediate and permanent deletion : * * XXXX. XXXX XXXX Account * * - Reported Balance : {$10000.00} - Account Number : [ Last XXXX digits or full account number ] - Status : DISPUTED - DEMAND PERMANENT DELETION * * XXXX. XXXX XXXX Account XXXX XXXX - Reported Balance : {$8700.00} - Account Number : [ Last XXXX digits or full account number ] - Status : DISPUTED - DEMAND PERMANENT DELETION * * XXXX. XXXX XXXX Account XXXX XXXX - Reported Balance : {$12000.00} - Account Number : [ Last XXXX digits or full account number ] - Status : DISPUTED - DEMAND PERMANENT DELETION * * XXXX. XXXX XXXX Account XXXX XXXX - Reported Balance : {$3600.00} - Account Number : [ Last XXXX digits or full account number ] - Status : DISPUTED - DEMAND PERMANENT DELETION * * Total Disputed Amount : {$35000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LEGAL BASIS FOR DISPUTE AND PERMANENT DELETION This dispute is submitted under the following federal consumer protection laws : * * XXXX. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) XXXX XXXX XXXX XXXX Accuracy and Completeness Requirements * * Under Section 607 ( b ) of the FCRA, you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The above-referenced accounts contain inaccurate information that violates this statutory requirement. 

* * Specific Violations : * * - Failure to maintain accurate account information - Reporting unverified or unverifiable account data - Lack of reasonable procedures to ensure accuracy - Continued reporting of disputed information without proper verification * * XXXX. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681b * * * * Permissible Purposes of Consumer Reports * * Section 604 of the FCRA restricts the circumstances under which consumer reports may be furnished. The continued reporting of these disputed accounts without proper verification violates the permissible purpose requirements and accuracy standards that must be met before information can be lawfully reported. 

* * Specific Violations : * * - Reporting information without meeting accuracy standards required for permissible purposes - Failure to ensure information meets the reliability standards necessary for permissible use - Continued furnishing of reports containing disputed information without proper verification * * 3. United States Code - 31 U.S.C. 5118 * * * * Legal Tender and Monetary Standards * * This statute establishes the legal framework for monetary obligations and debt validation in the United States. The disputed accounts fail to meet the legal standards for valid debt obligations under federal monetary law. 

* * Specific Violations : * * - Lack of proper debt validation under federal monetary standards - Failure to establish legal validity of claimed monetary obligations - Reporting obligations that do not meet federal legal tender requirements XXXX XXXX XXXX XXXX XXXX XXXX DEMAND FOR PERMANENT DELETION Based on the above legal violations, I hereby DEMAND the immediate and permanent deletion of all XXXX disputed accounts from my credit files maintained by Experian, Equifax, and TransUnion. 

* * Specific Actions Required : * * XXXX. * * IMMEDIATE REMOVAL * * of all references to these accounts from my credit reports XXXX. * * PERMANENT DELETION * * of all account information, including : - Account numbers- Balance amounts - Payment history - Account status information - Any associated collection or charge-off notations XXXX. * * UPDATED CREDIT REPORTS * * reflecting the permanent deletion of these accounts XXXX. * * WRITTEN CONFIRMATION * * of the permanent deletion from all three bureaus XXXX XXXX XXXX XXXX XXXX XXXX  INVESTIGATION REQUIREMENTS UNDER 15 U.S.C. 1681i Under the FCRAs investigation procedures, you must : - Conduct a reasonable investigation of all disputed information within 30 days - Contact furnishers within 5 business days of receiving this dispute - Permanently delete any information that can not be verified as accurate and complete - Provide written results of your investigation - Ensure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) * * BURDEN OF PROOF : * * The burden lies with the credit reporting agencies and furnishers to verify the accuracy and legal validity of reported information under federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX  FAILURE TO COMPLY- LEGAL CONSEQUENCES Failure to properly investigate and permanently delete these inaccurate accounts may result in : - Violations of 15 U.S.C. 1681e ( b ) - Maximum possible accuracy requirements - Violations of 15 U.S.C. 1681b - Permissible purpose standards - Violations of 31 U.S.C. 5118 - Federal monetary law requirements - Potential legal action under 15 U.S.C. 1681n ( willful noncompliance ) - Potential legal action under 15 U.S.C. 1681o ( negligent noncompliance ) XXXX XXXX XXXX XXXX XXXX XXXX  SUPPORTING DOCUMENTATION I am prepared to provide additional supporting documentation upon request. However, the primary obligation rests with the credit reporting agencies to verify the accuracy and legal validity of reported information under the cited federal statutes. 

XXXX XXXX XXXX XXXX XXXX XXXX  COMPLIANCE DEADLINE This dispute must be processed within XXXX  days of receipt as required by federal law. The disputed accounts must be permanently deleted from all three credit bureau files, and I must receive written confirmation of these deletions. 

XXXX XXXX XXXX XXXX XXXX XXXX CONCLUSION The above-referenced accounts violate multiple federal consumer protection laws and monetary standards. They contain inaccurate information that fails to meet the legal requirements under 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681b, and 31 U.S.C. 5118. 

I DEMAND the immediate and permanent deletion of these accounts from my credit files. No further investigation is necessary - these accounts must be permanently removed to ensure compliance with federal law. 

Please provide written confirmation of the permanent deletion of these accounts and updated credit reports reflecting these corrections within XXXX days of receipt of this dispute. 

* * Sincerely, * * XXXX 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