Consumer complaint received 2025-06-27 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:
XX/XX/year> * * TO : * * Experian, Equifax, and TransUnion Credit Reporting Agencies * * RE : FORMAL DISPUTE AND DEMAND FOR PERMANENT DELETION OF UNVERIFIED ACCOUNTS * * * * Dear Credit Reporting Agencies, * * I am writing to formally dispute the following accounts that are currently reporting on my credit files with your agencies. I do not recognize these creditors, and these accounts do not belong to me. I am demanding immediate investigation and permanent deletion of these items from all three credit bureaus pursuant to the Fair Credit Reporting Act ( FCRA ) and applicable federal laws.

# # DISPUTED ACCOUNTS The following accounts must be immediately investigated and permanently deleted from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX : {$9400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} # # LEGAL BASIS FOR DISPUTE I am disputing these accounts under the following federal statutes and FCRA provisions :

# # # 15 U.S.C. 1681 ( o ) - Obligations of Users of Consumer Reports This section requires that any person who uses a consumer report for employment, credit, insurance, or other permissible purposes must have a legitimate business need and must comply with specific requirements. The reporting of unverified or inaccurate information violates this provision. # # # 31 U.S.C. 5118 - Legal Tender This statute establishes the legal framework for monetary obligations and debt validation. Any debt reported must be legitimate, verifiable, and properly documented according to federal law. # # # 15 U.S.C. 1681e ( b ) - Maximum Possible Accuracy This provision requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. # # # 15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy This section mandates that upon receipt of a dispute, credit reporting agencies must conduct a reasonable reinvestigation and delete any information that can not be verified or is found to be inaccurate. # # # 15 U.S.C. 1681s-2 ( b ) - Duties of Furnishers Upon Notice of Dispute This provision requires data furnishers to investigate disputed information and report the results of their investigation to the credit reporting agencies.

# # DEMAND FOR ACTION Based on the above legal authorities, I hereby demand that you : 1. * * IMMEDIATELY INVESTIGATE * * each disputed account within the statutory 30-day period 1. * * PERMANENTLY DELETE * * all disputed accounts that can not be verified as accurate and belonging to me 1. * * PROVIDE WRITTEN CONFIRMATION * * of all deletions made 1. * * NOTIFY ALL PARTIES * * who have received my credit report in the past six months ( two years for employment purposes ) of the deletions 1. * * CEASE ALL REPORTING * * of these disputed accounts to any third parties # # VERIFICATION REQUIREMENTS I am requesting that you provide complete verification of these accounts, including but not limited to : - Original signed contracts or agreements - Complete payment history - Proof of my authorization to open these accounts - Chain of custody documentation if accounts were sold or transferred - Verification that proper procedures were followed before reporting # # NOTICE OF RIGHTS Please be advised that I am aware of my rights under the FCRA, including : - The right to accurate reporting ( 15 U.S.C. 1681e ( b ) ) - The right to dispute inaccurate information ( 15 U.S.C. 1681i ) - The right to damages for willful or negligent noncompliance ( 15 U.S.C. 1681n and 1681o ) - The right to attorney fees and costs for successful FCRA claims # # CONSEQUENCES OF NON-COMPLIANCE Failure to properly investigate and remove unverified accounts may result in violations of federal law, including but not limited to the Fair Credit Reporting Act. Such violations may subject your agency to liability for actual damages, statutory damages up to {$1000.00}, punitive damages, and attorney fees pursuant to 15 U.S.C. 1681n and 1681o.

# # CONCLUSION I expect full compliance with this dispute within 30 days as required by law. Please provide written confirmation of your investigation results and any deletions made. I will be monitoring my credit reports to ensure compliance with this demand.

I look forward to your prompt attention to this matter and the permanent removal of these unverified accounts from my credit files. 

* * 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