Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
Experian XXXX. XXXX XXXX, XXXX, TX XXXX RE : FORMAL DISPUTE OF DEROGATORY, COLLECTION, AND CHARGED-OFF ACCOUNTS UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) AND THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) To Whom It May Concern : This letter is a * * formal dispute * * and * * demand for deletion * * of all derogatory, inaccurate, unverifiable, or obsolete accounts listed below. I am asserting my rights under : - * * FCRA 609 ( a ) ( 1 ) * * Right to view full file and documentation - * * FCRA 611 ( a ) * * Right to dispute and reinvestigate inaccurate items - * * FCRA 623 ( a ) ( 5 ) * * Duty of furnishers to report accurate data - * * FDCPA 809 ( b ) * * Right to request debt validation from collectors These items are being reported without proper verification, original signed contracts, or legal debt validation. They * * must be removed immediately * * or verified with full documentation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations ( All ) : * * - FDCPA 809 No proof of debt ownership or legal authority - FCRA 611 Continued reporting despite active disputes - FCRA 623 Reporting medical collections with no consent under HIPAA You are required by federal law to either : 1. * * Delete * * each account listed above within * * 30 days * *, OR 2. Provide the following for each : - Original signed contracts or applications - Complete payment history - Legal proof of assignment or ownership - Itemized breakdown of the debt Failure to act in compliance will result in : - Formal complaints with the * * CFPB, FTC * *, and * * State Attorney General * * - Possible * * civil litigation * * under * * FCRA 616 * * and * * FDCPA 813 * * You have 30 calendar days from receipt of this notice to respond with proof or delete the accounts. 

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