Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$2800.00} Reported On : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Status : Needs Attention Open Collection Responsibility : Individual Dear Credit Bureau and Concerned Parties, I am writing to formally dispute an inaccurate and damaging collection account that has been reported on my credit file by XXXX XXXX XXXX in relation to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This account is inaccurate, false, and unverifiable, and I am demanding its immediate deletion under my rights outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I. Factual Background and Dispute Basis I moved out of XXXX XXXX XXXX on XX/XX/XXXX, due to an emergency health and safety issue involving rodent infestation and lockdown of the building. 

I was an approved recipient of the XXXX XXXX XXXX Targeted Eviction Prevention ( XXXX ) Program, and I received full rental assistance under the Emergency Rental Assistance XXXX XXXX XXXX ) XXXX 

My landlord, XXXX XXXX, received : {$3600.00} for unpaid rent ( XXXX XXXX ), {$49.00} for utilities, and {$3700.00} for forward rent ( XXXX XXXX ), For a total of {$7400.00} paid directly on my behalf. 

Additionally, I had a security deposit on file and vacated early, leaving unused credit. In effect, XXXX XXXX owed me money, not the other way around. 

This account was falsely reported on XX/XX/XXXX nearly XXXX years after I had already moved out and satisfied all financial obligations and now appears as a {$2800.00} debt, which is entirely fraudulent, inaccurate, and damaging. 

II. Legal Violations Committed This inaccurate reporting has severely affected my ability to secure rental housing or purchase a home, causing substantial harm, and the following legal violations apply : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 1681i ( a ) ( 1 ) ( A ) : Consumers have the right to dispute inaccurate information and expect a full reinvestigation within 30 days. 

XXXX ( b ) : Furnishers must ensure information is complete and accurate. 

XXXX ( a ) : It is illegal to furnish or report information known to be inaccurate. 

XXXX ( a ) ( XXXX ) : Re-aging a closed account or reporting false dates is prohibited. 

Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Code XXXX XXXX : False, deceptive, or misleading representation of a debt is unlawful. 

XXXX ( b ) : You must cease collection efforts if a debt is disputed and provide full validation. 

XXXX : Collecting unauthorized or inflated charges violates federal law. 

XXXX XXXX XXXX is reporting an unfounded and unvalidated debt, despite no contract between us and no final accounting statement proving I owe anything. Their actions constitute negligent and deceptive credit reporting.

III. Action Demanded As required by law, I am demanding the following : Immediate deletion of the XXXX XXXX collection account from my credit report across all three bureaus. 

Full documentation including : The original signed lease agreement, Final ledger or closing balance from XXXX XXXX, XXXX that I legally owe the {$2800.00} claimed. 

Written confirmation of your investigation results within 30 days, per FCRA requirements. 

IV. Consequences of Non-Compliance If this account is not deleted and my dispute not resolved lawfully, I will : Proceed with a formal complaint already filed with the Consumer Financial Protection Bureau ( CFPB ), Report this violation to the Federal Trade Commission ( FTC ) and the Maryland Attorney General, Initiate a civil lawsuit for : Defamation of character, Violation of FCRA and FDCPA statutes, Emotional distress and economic damages, Seeking both statutory and punitive damages under 15 U.S.C. 1681n and 1692k.

V. Conclusion This entry is an outrageous and unacceptable abuse of the credit system. You are now on formal notice. I demand that this false collection entry be removed immediately and that my credit report be corrected. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX digits ) XXXX Enclosures : STEP-2 Program Payment Approval Letter ( XXXX XXXX, XXXX XXXX XXXX, XXXX ) Copy of ID and proof of address

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