Consumer complaint received 2024-09-17 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: NV

Complaint narrative:
Here is a revised version of your dispute letter, incorporating the details from your credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX Email : XXXX Phone Number : XXXX Employer : XXXX. XXXX XXXX Date : XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate and Fraudulent Account Reporting under FCRA and TILA Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Numbers : XXXX ( Installment ), XXXX ( Revolving ) Balance : {$0.00} ( Installment ), {$1900.00} ( Revolving ) Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of two accounts listed under my credit profile from XXXX XXXX XXXX XXXX . These accounts one Installment and one Revolving are falsely associated with me, and I have no connection to XXXX XXXX XXXX XXXX or any of their products. The details presented in my credit report are inaccurate and fraudulent. 

Account Details : Installment Account Closed Date : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) Open Date : XX/XX/XXXX Payment Status : Paid account/was 30 days past due ( Experian ) Worst Delinquency : 30 days past due Balance : {$0.00} Revolving Account Last Updated : XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) Payment Status : Paid or paying as agreed Worst Delinquency : 60 days past due ( XXXX ) Balance : {$1900.00} ( XXXX ) Credit Limit : {$1000.00} ( XXXX ) Legal Basis for Dispute : FCRA Violations- Inaccurate Reporting ( 15 U.S.C. 1681 ) : As per the Fair Credit Reporting Act, credit bureaus are obligated to maintain only accurate and verifiable information on consumer credit reports. Neither of these accounts is mine, and the reporting of these accounts under my name is false and constitutes inaccurate reporting in violation of FCRA. 

TILA Violations - Creditor Definition ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act, a creditor is defined as an entity that extends consumer credit and to whom a debt is owed. I have no accounts with XXXX XXXX XXXX XXXX, and these reported accounts are therefore fraudulent. The presence of these accounts is a violation of my rights under TILA. 

Actions Requested : Immediate Removal of Accounts : I request that you investigate the accuracy of these accounts with XXXX XXXX XXXX XXXX and remove them from my credit report as they do not belong to me. 

Written Confirmation of Removal : Once the investigation is complete and these accounts are removed from my credit report, I ask that you provide written confirmation that these actions have been taken. 

Under the FCRA, I expect this matter to be resolved within 30 days. Failure to act within this timeframe may result in legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of these inaccurate and fraudulent accounts. 

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