Consumer complaint received 2025-06-20 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NJ XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Subject : Urgent Dispute of Inaccurate, Unauthorized, and Violating Credit Report Items & Notice of Legal Action Dear Experian Dispute Department, I am writing to formally dispute multiple inaccuracies, unauthorized entries, and potential violations of the Fair Credit Reporting Act ( FCRA ) concerning my credit report. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding these issues and am prepared to pursue legal remedies if they are not resolved promptly. 

My details for your reference : Full Name : XXXXXXXX XXXX XXXXXXXX SSN ( last four digits ) : XXXX Date of Birth : XX/XX/XXXXXXXX  Address : XXXX XXXX XXXX. XXXX XXXX, XXXX, NJ XXXX Phone : XXXX Email : XXXX Disputed Items : XXXX  XXXX Late Payments : The report incorrectly states three late payments in XXXX with the following dates : XX/XX/XXXX XX/XX/XXXX ( which should be XX/XX/XXXX if late by 90 days ) XX/XX/XXXX ( which should be XX/XX/XXXX if late by 90 days ) These entries are inaccurate and violate 1666b of the FCRA, which mandates that credit reporting must be complete, accurate, and verifiable. I request these late payments be corrected or removed immediately. 

Unauthorized Accounts Reported by XXXX XXXX : There are three entries associated with the same account number ( Account # XXXX ), showing a balance of {$3600.00}, opened on XX/XX/XXXX. I did not authorize or sign any agreement for these accounts. These are fraudulent or erroneous entries, and I request their immediate removal. 

XXXX XXXX XXXX Collection Account : XXXX XXXX XXXX is a debt buyer that purchased an account from XXXX XXXX XXXX. I have never authorized or agreed to any reporting or collection activities by Resurgent or XXXX XXXX, and their reporting violates the FCRA, including provisions that prohibit reporting without proper verification and authorization. 
Furthermore, XXXX XXXX and XXXX are reporting this account as if I authorized or signed for it, which is false. I request the removal of this account for the following reasons : I did not authorize or sign any agreement for this debt. 
XXXX XXXX is not permitted to report this account in my credit file under the law, especially since I never authorized its reporting. 
This reporting is a violation of the FCRAs requirement for accurate, verifiable, and authorized reporting. 

Unauthorized XXXX Account : There is an account from XXXX listed on my credit report with the following details : Date Opened : XX/XX/XXXX Balance : {$290.00} I have never authorized or signed any agreement with XXXX to report this account. This account is unauthorized and must be removed from my credit report, as it constitutes a violation of my consumer rights under the FCRA. 

Additional Notice : I have previously filed a formal FTC complaint regarding these inaccuracies and unauthorized accounts. If these issues are not addressed and corrected within the legally mandated 30-day period, I will pursue all available remedies, including legal action and reporting to regulators.

Legal and Consumer Rights : Under the FCRA, all information reported must be complete, accurate, and verifiable. Any reporting of accounts that I did not authorize or for which I can not provide validation is unlawful. I request that Experian investigate these disputes thoroughly and remove any items that can not be verified or are found to be inaccurate or unauthorized. 

Requests : Correct or delete the inaccurate late payments by XXXX XXXX. 
Remove the unauthorized accounts reported by XXXX XXXX. 
Remove the XXXX XXXX XXXX account for lack of authorization and verification. 
Remove the XXXX account for being unauthorized. 
Provide proof of debt, including signed agreements, for all accounts if you believe they are valid. 
Confirm in writing that these corrections and deletions have been made within the legal time frame. 

Failure to comply will result in my pursuing all legal remedies available under the FCRA, including reporting violations to the Consumer Financial Protection Bureau ( CFPB ) and pursuing litigation. 


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