Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
I am writing to formally dispute the following inaccurate, unverifiable, and/or misleading items being reported on my credit file. These entries are causing serious harm to my creditworthiness. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and request a full reinvestigation. Please see each item detailed below with the issue, relevant FCRA violation, and the action I am requesting : ________________________________________ NEGATIVE ITEMS TO BE DISPUTED : ________________________________________ XXXX. XXXX Acct XXXX XXXXXXXX XXXX XXXX Issue : * * Reporting of multiple late payments without documentation. 
FCRA Violation : XXXX Failure to verify accuracy ; XXXX Right to documentation. 
XXXX Requested : Provide full payment history with original documentation. Delete if unverifiable. 
________________________________________ XXXX. XXXX Acct # XXXX XXXX XXXX Issue : * * Late payments reported on account with potential errors. 
FCRA Violation : XXXX ( b ) Inaccurate information ; XXXX ( a ) ( XXXX ) ( A ). 
XXXX Requested : Investigate and provide complete verification or remove negative data. 
________________________________________ XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Issue : * * Late payments reported on {$0.00} balance account. 
FCRA Violation : XXXX ( b ) Misleading credit reporting. 
XXXX Requested : Remove all derogatory entries due to account closure and lack of balance. 
________________________________________ XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unknown collection account ; no validation provided. 
FCRA Violation : XXXX FDCPA Debt validation failure ; XXXX FCRA. 
XXXX Requested : Provide proof of original debt agreement or delete entry. 
________________________________________ XXXX. XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Issue : * * Late payment reporting on an outdated, closed account. 
FCRA Violation : XXXX ( a ) Obsolete information ; XXXX Inaccurate data. 
XXXX Requested : Remove all derogatory entries unless full records are provided. 
________________________________________ XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments not clearly documented or verified. 
FCRA Violation : XXXX Responsibility of data furnishers ; XXXX. 
XXXX Requested : Provide verification or remove derogatory remarks. 
________________________________________ XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alleged debt is unfamiliar ; no supporting documentation. 
FCRA Violation : XXXX No proof provided ; XXXX Unverified data. 
XXXX Requested : Delete account or provide full validation from the original creditor. 
________________________________________ XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unknown collection account. 
FCRA Violation : XXXX Unverified reporting ; XXXX FDCPA. 
XXXX Requested : Provide written validation or remove this from my credit file. 
________________________________________ XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXssue : * * Possible duplicate reporting from another XXXX XXXX account. 
FCRA Violation : XXXX Duplicate data is misleading ; XXXX Unverifiable. 
XXXX Requested : Investigate and remove if proven duplicate or unverifiable. 
________________________________________ XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Issue : * * Consumer unfamiliar with the account ; appears invalid. 
FCRA Violation : XXXX Failure to provide proof ; XXXX Furnishing incorrect data. 
XXXX Requested : Validate with original contract or delete immediately. 
________________________________________ XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : * * Charge-off reported without sufficient documentation. 
FCRA Violation : XXXX Failure to verify dispute ; XXXX XXXX incomplete info. 
XXXX Requested : Provide original signed documentation or remove this tradeline. 
________________________________________Please complete a full reinvestigation under FCRA XXXX and provide me with the results within the legally allotted 30 days. If any of the above accounts can not be verified with original creditor documentation, they must be removed from my credit report immediately. 
Thank you for your time and cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation