Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Request for Verification, Method of Validation, and Deletion of Collection Accounts Dear Sir/Madam, I am disputing the accuracy of multiple accounts listed on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any inaccurate or unverifiable information. If any of the listed accounts can not be verified within the legally required 30-day timeframe, I request their immediate deletion from my credit file.

Additionally, as provided under FCRA Section 611 ( a ) ( 7 ), I am requesting the method of validation for each disputed account, including : The name of the person or organization contacted during the investigation. 
The specific steps taken to verify the information. 
Copies of all documentation relied upon to confirm the accuracy of the information. 
Disputed Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$410.00} past due as of XX/XX/XXXX. 
Balance : {$410.00} On Record Until : XX/XX/XXXX Account Name : XXXX XXXX Account Numbers : XXXX, XXXX, XXXXXXXX XXXX XXXX Account Type : Unsecured Status : Account charged off with balances of {$19.00}, {$46.00}, {$29.00}, and {$120.00}, respectively. 
Original Balances : {$120.00}, {$130.00}, {$160.00}, and {$180.00}. 
On Record Until : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$260.00} past due as of XX/XX/XXXX. 
Balance : {$260.00} On Record Until : XX/XX/XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
Balance : {$2200.00} XXXX XXXX : {$2000.00} On Record Until : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$1400.00} written off. 
On Record Until : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Account Type : Auto Loan Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. {$1200.00} past due as of XX/XX/XXXX. 
Balance : {$22000.00} Monthly Payment : {$550.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$1200.00} written off. {$640.00} past due as of XX/XX/XXXX. 
Balance : {$1200.00} On Record Until : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$470.00} past due as of XX/XX/XXXX. 
Balance : {$470.00} On Record Until : XX/XX/XXXX Please confirm receipt of this letter and provide a written response detailing the outcome of your investigation, including the requested method of validation. I look forward to your reply within 30 days, as required by law. 

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