Consumer complaint received 2025-03-19 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:
Subject : Formal Dispute Request for Permanent Deletion of Collection Accounts Dear Experian Dispute Department, I am writing to formally dispute the following inaccurate and unverifiable collection accounts that are currently being reported on my Experian credit report. These accounts are invalid and were reported in violation of my consumer rights, and I am demanding their permanent deletion from my credit file. 

Disputed Collection Accounts : Creditor : XXXX XXXX XXXX {$4200.00} Creditor : XXXX XXXX XXXX {$2300.00} Legal Basis for Dispute : I am disputing these collection accounts and demanding their removal based on the following consumer protection laws : XXXX. FCRA ( 15 U.S.C. 1681 et seq. ) The Fair Credit Reporting Act requires that all reported information be accurate, fair, and verifiable. If these accounts can not be fully verified in compliance with federal law, they must be deleted immediately. 

XXXX. 15 U.S.C. 1692c ( c ) Fair Debt Collection Practices Act ( FDCPA ) If I have previously notified the collection agencies in writing to cease communication and they have continued reporting or collecting on these debts, this constitutes a violation, and these accounts must be removed. 

XXXX. 31 U.S.C. 5118 This statute governs financial transactions and reinforces the necessity of accurate and legal consumer credit reporting. 

XXXX. FCRA ( 15 U.S.C. 1681i ) This law requires Experian to conduct a full reinvestigation within 30 days and remove any unverifiable or incorrect accounts. 

XXXX. FCRA ( 15 U.S.C. 1681b Permissible Purpose ) If these accounts were reported without my consent or legitimate purpose, their presence on my report is unlawful and must be corrected immediately. 

Request for Immediate Action : I am formally requesting that Experian : Conduct a full reinvestigation into the accuracy and legitimacy of these collection accounts. 

Obtain proper verification from XXXX XXXX XXXX and XXXX XXXX XXXX proving that I legally owe these debts and that they were reported in full compliance with all federal laws. 

Permanently delete these accounts from my credit report if they can not be fully verified with legally sufficient documentation. 

Under the Fair Credit Reporting Act ( FCRA ), Experian has 30 days to complete this investigation and provide a written response. If these inaccurate accounts are not removed, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action for damages caused by the continued reporting of inaccurate and unverified information. 

I have enclosed a copy of my ID and proof of address for identity verification. If you require any additional information, please contact me in writing at the address provided above. 

Thank you for your immediate attention to this matter. I look forward to your confirmation that these collection accounts have been permanently removed from my Experian credit report. 

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