Consumer complaint received 2025-06-25 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/XXXX * * TransUnion Consumer Solutions * * XXXX XXXX XXXXXXXX XXXX, PA XXXX * * RE : FORMAL DISPUTE UNDER THE FAIR CREDIT REPORTING ACT * * * * Social Security Number : XXXX Dear Dispute Department, I am writing to formally dispute the accuracy and completeness of certain information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of the disputed items and remove any information that can not be verified as accurate and complete. 

# # # DISPUTED ACCOUNTS REQUIRING PERMANENT DELETION I am disputing the following charged-off accounts that appear on my TransUnion credit report and demanding their immediate and permanent removal : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3400.00} ( Charged Off ) 2. XXXX XXXX XXXX XXXX XXXX - {$1300.00} ( Charged Off ) 3. XXXX XXXX XXXXXXXXXXXX XXXX XXXX - {$630.00} ( Charged Off ) 4. XXXX XXXX XXXX XXXX XXXX XXXX - {$910.00} ( Charged Off ) 5. XXXX XXXX XXXX XXXX XXXX XXXX - {$4100.00} ( Charged Off ) # # # LEGAL BASIS FOR REMOVAL These accounts must be permanently deleted from my credit report based on the following violations of the Fair Credit Reporting Act : # # # # 15 U.S.C. 1681e ( b ) - Maximum Possible Accuracy This section requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information in consumer reports. The reporting of these charged-off accounts violates this requirement as they can not be verified as accurate and complete.

# # # # 15 U.S.C. 1681b - Permissible Purposes This section governs the permissible purposes for furnishing consumer reports. The continued reporting of unverifiable charged-off accounts exceeds the scope of permissible purposes under this provision.

# # # # 15 U.S.C. 1681c - Requirements Relating to Information Contained in Consumer Reports This section establishes time limitations for reporting adverse information. Charged-off accounts that can not be properly verified violate the accuracy requirements inherent in this provision. 

# # # # 15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy You are required under this section to conduct a reasonable investigation and remove any information that can not be verified. These accounts must be deleted if verification can not be obtained from the original creditors. 

# # # # 15 U.S.C. 1681k - Public Record Information for Employment Purposes While primarily addressing employment purposes, this section establishes precedent for strict accuracy requirements that apply to all consumer reporting. 

# # # DEMAND FOR IMMEDIATE ACTION Based on the above legal authorities, I hereby demand that you : 1. * * IMMEDIATELY INVESTIGATE * * each of the disputed accounts listed above 2. * * PERMANENTLY DELETE * * all references to these accounts from my credit file if they can not be verified as accurate and complete 3. * * PROVIDE WRITTEN CONFIRMATION * * of the deletion within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ) 4. * * NOTIFY ALL PARTIES * * who have received my credit report within the past six months ( two years for employment purposes ) of the deletions per 15 U.S.C. 1681i ( d ) # # # ADDITIONAL REQUIREMENTS Please be advised that : - This dispute is made in good faith and I expect full compliance with FCRA requirements- Any failure to properly investigate or remove unverifiable information may result in legal action under 15 U.S.C. 1681n and 1681o - I reserve all rights under state and federal law - This letter serves as formal notice of these disputes # # # REQUESTED DOCUMENTATION Please provide : 1. Written results of your investigation 2. An updated credit report reflecting all deletions 3. Confirmation that notifications have been sent to all required parties I expect your prompt attention to this matter and full compliance with FCRA requirements. Please contact me immediately if you require any additional information to process this dispute. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX -- - -- - # # LETTER 2 : EXPERIAN DISPUTE XX/XX/XXXX * * Experian * * XXXX XXXX XXXX XXXX, TX XXXX * * RE : FORMAL DISPUTE UNDER THE FAIR CREDIT REPORTING ACT * * * * Consumer File Number : [ Your Experian File Number ] * * * * Social Security Number : XXXX Dear Dispute Department, I am writing to formally dispute the accuracy and completeness of certain information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of the disputed items and remove any information that can not be verified as accurate and complete. 

# # # DISPUTED ACCOUNTS REQUIRING PERMANENT DELETION I am disputing the following charged-off accounts that appear on my Experian credit report and demanding their immediate and permanent removal : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3400.00} ( Charged Off ) 2. XXXX XXXX XXXX XXXX XXXX - {$1300.00} ( Charged Off ) 3. XXXX XXXX XXXX XXXX XXXX - {$630.00} ( Charged Off ) 4. XXXX XXXX XXXX XXXX XXXX XXXX - {$910.00} ( Charged Off ) 5. XXXX XXXX XXXX XXXX XXXX XXXX - {$4100.00} ( Charged Off ) # # # LEGAL BASIS FOR REMOVAL These accounts must be permanently deleted from my credit report based on the following violations of the Fair Credit Reporting Act : # # # # 15 U.S.C. 1681e ( b ) - Maximum Possible Accuracy This section requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information in consumer reports. The reporting of these charged-off accounts violates this requirement as they can not be verified as accurate and complete.

# # # # 15 U.S.C. 1681b - Permissible Purposes This section governs the permissible purposes for furnishing consumer reports. The continued reporting of unverifiable charged-off accounts exceeds the scope of permissible purposes under this provision.

# # # # 15 U.S.C. 1681c - Requirements Relating to Information Contained in Consumer Reports This section establishes time limitations for reporting adverse information. Charged-off accounts that can not be properly verified violate the accuracy requirements inherent in this provision.

# # # # 15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy You are required under this section to conduct a reasonable investigation and remove any information that can not be verified. These accounts must be deleted if verification can not be obtained from the original creditors.

# # # # 15 U.S.C. 1681k - Public Record Information for Employment Purposes While primarily addressing employment purposes, this section establishes precedent for strict accuracy requirements that apply to all consumer reporting. 

# # # DEMAND FOR IMMEDIATE ACTION Based on the above legal authorities, I hereby demand that you : 1. * * IMMEDIATELY INVESTIGATE * * each of the disputed accounts listed above 2. * * PERMANENTLY DELETE * * all references to these accounts from my credit file if they can not be verified as accurate and complete 3. * * PROVIDE WRITTEN CONFIRMATION * * of the deletion within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ) 4. * * NOTIFY ALL PARTIES * * who have received my credit report within the past six months ( two years for employment purposes ) of the deletions per 15 U.S.C. 1681i ( d ) # # # ADDITIONAL REQUIREMENTS Please be advised that : - This dispute is made in good faith and I expect full compliance with FCRA requirements- Any failure to properly investigate or remove unverifiable information may result in legal action under 15 U.S.C. 1681n and 1681o - I reserve all rights under state and federal law - This letter serves as formal notice of these disputes # # # REQUESTED DOCUMENTATION Please provide : 1. Written results of your investigation 2. An updated credit report reflecting all deletions 3. Confirmation that notifications have been sent to all required parties I expect your prompt attention to this matter and full compliance with FCRA requirements. Please contact me immediately if you require any additional information to process this dispute. 

Thank you for your immediate attention to this matter. 

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