Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
: Dispute of Credit Report Inaccuracies Due to Data Breach Dear Equifax, Transunion, Experian I am writing to formally dispute inaccuracies in my credit report that I believe are a result of the recent data breach concerning your companies. As a consumer affected by this breach, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Sections 609 and 611.

Details of the Dispute : Account Name : XXXX, Account Number : XXXX XXXX. Nature of Dispute : Incorrect payments, reporting 30 days late and never was late, inaccurate information and violate my rights under the Fair Credit Reporting Act, Inaccuracy in Reporting : Under Section 607 of the FCRA, creditors are required to report accurate information. The charge-off status and associated payment history reported may not accurately reflect my payment behavior. I request a detailed explanation and supporting documentation regarding this account 's status. 
I request the following actions be taken : A thorough review of my account to ascertain the accuracy of the charge-off status and payment history. 
A formal response detailing the findings of your investigation and any corrections made to the credit reporting agencies. 
Details of the Dispute : Account Name : XXXX Account Number : XXXX XXXX. 1.Nature of Dispute : Inaccuracy in Reporting : Under Section 607 of the FCRA, creditors are required to report accurate information. Inaccurate Payment History : The account reflects multiple 30, 60, and 90-day late payments, which do not accurately represent my payment history " I had made all required minimum payments on time, and for year XXXX I was marked late for months XXXX, XXXX, XXXX, XXXX which is not true I am requesting that this credit please send supporting documentation that shows the date payment was paid and processed Account Name : XXXX XXXX  Account Number : XXXX Nature of Dispute : On my Equifax report this is a charge off item, and it should not be reporting a balance, I am requesting that the creditor send me a 1099 showing that they charged off this account I have requested this from the creditor twice and they have not sent me one. Therefore they need to forgive this debt, because this debt has been settled, and creditor has not sent proof and reporting inaccurate information please delete this off my report immediately. 
Details of the Dispute : Account Name : XXXX XXXX XXXX  Account Number : XXXX Nature of Dispute : I do not agree with the amount thats owed on this account, nor was I never late when this account was open, this account is reporting false information and that violates my rights with the FCRA I am requesting that this company provide proof of when I was late and where are these charges coming from. No one has done a reasonable investigation and this is reporting wrong. 
Details of the Dispute : Account Name : XXXX XXXX Account Number : XXXX Nature of Dispute : According to the Fair Credit Reporting Act, negative information must be removed after seven years from the date of first delinquency. As this account is past that threshold, I request that you investigate this matter and remove the inaccurate information from my credit report. 

Details of the Dispute : Account Name : XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX Nature of Dispute : This account is reporting negative on my report and I do not have a contract nor have I signed anything with this company stating this is my account, please send proof of the contract I have with this account. 
Details of the Dispute : Account Name : XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : This account is reporting negative on my report and I do not have a contract nor have I signed anything with this company stating this is my account, please send proof of the contract I have with this account. I also notice that this is the same exact account that is reporting the same exact balance with another account : XXXX XXXX XXXX XXXX XXXX in whom I have no knowledge of this seems to be a scam and its being sold by two collection companies and this needs to be removed.

As stipulated in Section 609 ( a ) ( 1 ) of the FCRA, I am entitled to request the accurate information that is being reported. 
Thank you for Resolving this matter, 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