Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several inaccurate and unlawfully reported items that appear on my Equifax credit report. These entries constitute violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 et seq. ), and I am demanding their immediate deletionnot correctiondue to lack of verification, statutory non-compliance, and resulting consumer harm. 

My report contains multiple accounts currently reported as XXXX XXXX, XXXX, and XXXX XXXX, which are either incorrect, unverifiable, or legally unenforceable. These include : XXXX Accounts : XXXX ( Account ending in XXXX ) XXXX XXXX XXXX ( Account ending in XXXX ) XXXX XXXX XXXX ( Account XXXX XXXX XXXX ) XXXX XXXX ( Account XXXX in XXXX ) XXXX XXXX XXXX XXXX  ( Account ending XXXX XXXX ) Late Payment Accounts : XXXX XXXX XXXX ( Account ending in XXXX ) XXXX XXXX XXXX ( Account XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Accounts ending in XXXX, XXXX instances ) Collection Accounts : XXXX XXXX ( Account ending in XXXX ) XXXX XXXX XXXX Account ending in XXXX ) XXXX ( Account ending in XXXX ) XXXX ( Account ending in XXXX XXXX XXXX XXXX ( Account ending in XXXX ) Most of these debts are reported with no documentation of original contracts, legal standing to collect, or proper verification per 15 U.S.C. 1681s-2 and 1692g ( a ). Several of these items have been sold or re-sold between entitiesraising serious doubts about the integrity and ownership of the alleged debt. 

If any of the charged-off accounts were forgiven or canceled, I request documented evidence including IRS Form XXXX, which must be issued under IRS regulations and Publication XXXX if the creditor canceled {$600.00} or more. Per the law, once canceled, a debt can not be simultaneously deemed collectible and reportable as negative. 

The reporting of inaccurate, incomplete, and stale itemsespecially those that were not validatedhas caused me emotional stress, credit denials, and has damaged my financial reputation in violation of 15 U.S.C. 1681e ( b ), which requires the reporting agency to ensure maximum possible accuracy. 

In accordance with my rights under FCRA 1681i and 1681n, and FDCPA 1692g and 1692k, I am demanding the permanent deletion of these entries from my credit file. You have 10 calendar days to confirm in writing that you will either ( 1 ) delete these accounts or ( 2 ) provide documented legal validation for each account, including the original signed contract and full account history.

Do not send generic stall letters. Per FCRA regulations, each dispute must be addressed individually and based on its merits. Any attempt to delay processing based on assumptions about third-party assistance will be considered a willful violation under 15 U.S.C. 1681n.

I AM FAMILIAR WITH THE LAW & I KNOW IT IS IN MY RIGHT TO HAVE 3RD PARTY SOFTWARE HELP WRITE MY DISPUTES! 

Enclosed is a copy of my government-issued ID and proof of current address. Thank you for your prompt attention to this legal demand.

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