Consumer complaint received 2025-03-06 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: MA

Complaint narrative:
See attached documents. 
To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information on my credit report as listed below. Under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal laws, I demand the immediate deletion of the following accounts due to violations of my consumer rights. 
1. Late Payments Violation of 15 USC 1666b & 15 USC 1681i XXXX XXXX ( 90 days late ) XXXX XXXX XXXX ( 90 days late ) XXXXXXXX XXXX XXXX. ( reported past due balance ) According to 15 USC 1666b, payments must be promptly credited, and per 15 USC 1681i, inaccurate information must be corrected or deleted if it can not be verified. These late payments must be removed as they are erroneous and unverifiable.

2. Collections Violation of 12 CFR 1006.34C, 12 CFR 1006.6C, 15 USC 1681s-2 ( A ), 15 USC 1681e ( b XXXX XXXX XXXX XXXX ( XXXX XXXX {$2700.00} ) Collection Account ( balance : {$2700.00} ) Under 12 CFR 1006.34C and 12 CFR 1006.6C, debt collectors must provide accurate and complete validation. 15 USC 1681s-2 ( A ) prohibits the reporting of inaccurate data by furnishers, and 15 USC 1681e ( b ) requires credit bureaus to maintain maximum possible accuracy. Since these collection accounts were not properly validated, they must be removed.

3. Charge-Offs Violation of 15 USC 1681i , 15 USC 1681s-2 , 1099-C XXXX ( charged off as bad debt, balance : {$2800.00} ) According to 15 USC 1681i, charge-offs must be removed if they can not be verified. Under IRS regulation 1099-C, a charged-off debt that has been canceled or forgiven must be reported as income and removed from the credit report. If this debt was sold, it can no longer be legally reported by the original creditor.

4. Repossession Violation of 15 USC 1681i, 15 USC 1681s-2, UCC 9 Part 6 XXXX XXXX ( repossession status, 90 days late ) Under UCC 9 Part 6, proper procedures must be followed in the repossession process. 15 USC 1681i and 1681s-2require furnishers to ensure data accuracy. Since this account was improperly reported, it must be deleted.

5. Hard Inquiries Violation of 15 USC 1681b ( 2 ), 15 USC 1681q, 15 USC 1681c-2 I demand the deletion of any unauthorized inquiries under 15 USC 1681b ( 2 ) ( lack of permissible purpose ), 15 USC 1681q ( obtaining credit information under false pretenses ), and 15 USC 1681c-2 ( identity theft protection ).

Request for Immediate Action In accordance with 15 USC 1681i, you are required to conduct a proper investigation within 30 days. If these items can not be verified, they must be deleted immediately. Failure to comply will result in legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages under 15 USC 1681n and 1681o.

Please provide me with an updated credit report reflecting these deletions. I expect a response within the required 30-day timeframe. I have attached my identity theft criminal compliant FTC Report Number : 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