Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate and Unauthorized Information under the FCRA Request for Immediate Deletion I am writing to formally dispute inaccurate and unauthorized information being reported on my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i, 1681e ( b ), and 1681g. 

I want to clarify that I have not authorized the creditor to report or share any financial information related to this account, and I have not received any debt validation letter or supporting documentation proving that this account belongs to me, despite multiple requests. 

Account in Dispute : Debt Collector : XXXX XXXX XXXX Original Creditor : XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/year> Reported Balance : {$1200.00} Last Activity Date : XX/XX/year> Status : Collection/Chargeoff Comments : XXXX XXXX XXXX XXXX Reported Only To : Experian ( Not reported by XXXX or XXXX ) Reasons for This Dispute : No express authorization given : I did not authorize the opening or reporting of this account. 

No validation received : I have repeatedly requested a validation letter or legally binding documentation ( contract or signed agreement ) from the creditor, but I have received no response. 

Inaccuracy in reporting : This account appears only on Experian and not on XXXX or XXXX, indicating possible reporting or verification errors. 

Violation of 15 U.S.C. 1681e ( b ) : The information being reported is neither accurate nor complete, and reasonable procedures were not followed to ensure maximum possible accuracy.

Violation of 15 U.S.C. 1681i : XXXX has failed to conduct a reasonable reinvestigation after I previously disputed this account. 

Violation of 15 U.S.C. 1681g ( a ) : I have not been provided with full disclosure or proper documentation supporting the legitimacy of this account. 

Personal and financial harm : This inaccurate account is negatively affecting my credit standing and interfering with my ability to secure housing for my family. 

Formal Request : Based on the above, I respectfully request the following : The immediate and permanent deletion of this account from my credit report. 

That you cease sharing this information with any third party unless proper authorization or legal validation has been obtained. 

A written response within the timeframe required by law, outlining the results of your investigation and the actions taken. 

Please find enclosed the following documents in support of my dispute : A copy of my valid government-issued ID A recent proof of address A copy of my credit report showing the inaccurate account Thank you for your prompt attention to this matter. I am willing to cooperate fully in order to resolve this issue in accordance with my rights under federal law.

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