Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Birthday XX/XX/XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Experian : P.O. XXXX XXXX, XXXX, TX XXXX XXXX : P.O. XXXX XXXX, XXXX, PA XXXX Subject : Universal Credit Report Dispute & Cease and Desist Violations of FCRA 1681e ( b ), 1681i, 1681c, FDCPA, Metro 2 Dear Credit Reporting Agency, I am writing to formally dispute multiple inaccurate, unverifiable, and outdated entries appearing on my credit file. This letter serves as an official notice of dispute, demand for deletion, and cease & desist regarding all erroneous and unlawfully reported accounts.

Dispute Summary : You are reporting negative tradelines with : Missing original creditor names No valid contracts or flow of assignment Duplicate collection accounts Outdated derogatory remarks Balances not matching highest reported Unpaid medical and consumer debt lacking HIPAA/FCRA verification These entries are in direct violation of the following : Legal Violations : 1. FCRA 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting tradelines. Accounts with outdated, duplicated, or unverifiable data are considered inaccurate under law.

2. FCRA 15 U.S.C. 1681i ( a ) : CRAs must perform a reasonable reinvestigation within 30 days. If no valid documentation is providedincluding contract and assignment chaindeletion is required.

3. FCRA 15 U.S.C. 1681c ( a ) : You may not report accounts beyond 7 years from the date of first delinquency.

4. FDCPA 15 U.S.C. 1692g ( b ) : Debt collectors reporting to your agency must validate the debt upon request. If flow of assignment and itemized breakdown are not produced, continued reporting violates federal law.

5. Metro 2 Compliance Violation : Tradelines that lack creditor detail, incorrect balances, or contradictory payment statuses are non-compliant and must be corrected or deleted.

DEMAND FOR DELETION & CEASE AND DESIST : I DEMAND : 1. Immediate reinvestigation and deletion of any unverifiable, inaccurate, or outdated accounts.

2. A copy of each furnishers verification, including original signed contracts, itemized statements, and chain of assignment.

3. That you CEASE AND DESIST from reporting any account that is not verifiable within 30 days or lacks legal standing.

4. Written confirmation that my credit report has been updated or corrected.

Final Notice : If your agencies fail to comply with this formal dispute, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue further legal remedies. Under FCRA 616 and 617, I am entitled to damages for willful and negligent noncompliance. 

Sincerely, XXXX 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