Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX ] [ XXXX, New York XXXX ] [ XXXX ] [ ( XXXX ) XXXX ] [ XX/XX/XXXX ] [ Experian ] [ P.O. XXXX XXXX, ] [ XXXX, TX XXXX. ] * * Subject : Urgent Dispute of Credit Report Information Under FCRA Section 605 ( b ) * * Dear Experian, I am writing to dispute the following inaccurate information on my credit report under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). The details of the disputed account are as reported. 

- * * Account Name * * : [ XXXX XXXX XXXX ] - * * Account date * * : [ XX/XX/XXXX ] - * * Description of Discrepancy * * : [ Wrong open and close dates, and wrong balances, I never opened this account. ] - * * Account Name * * : [ XXXX XXXX XXXX XXXX ] - * * Account date * * : [ XX/XX/XXXX ] - * * Description of Discrepancy * * : [ Wrong open and close dates, and wrong balances, I never opened this account. ] - * * Account Name * * : [ XXXX ] - * * Account Number * * : XXXX - * * Account date * * : [ XX/XX/XXXX ] - * * Description of Discrepancy * * : [ I never opened this account, Wrong balances, sold to XXXX party lender, wrong dates open/ close. ] - * * Account Name * * : [ DEPT OF XXXX ] - * * Account Number * * : XXXX - * * Account date * * : [ XX/XX/XXXX ] - * * Description of Discrepancy * * : [ I never opened this account, wrong dates and balances, inaccurate information. ] * * Personal Information : * * - * * Name : * * [ XXXX XXXX XXXX ] - * * Social Security Number : * * [ XXXX ] - * * Inaccurate Address : * * [ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ] - * * CORRECT ADDRESS : * * [ XXXX XXXX XXXX XXXX, NEW YORK ] Given the nature of this discrepancy, I request the immediate removal of this collection from my credit report. Under the FCRA, you must investigate my claim and correct any inaccuracies within XXXX hours ; however, I urge you to address this matter within the next XXXX hours due to the immediate impact it has on my financial standing. 

I have attached supporting documentation to verify my assertion, including Ftc reports, credit reports with inaccuracies with incorrect open and close dates, Here 's a sample dispute letter referencing Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ) and additional U.S. Code references, requesting the removal of a collection from your credit report within 72 hours : * * Subject : Urgent Dispute of Credit Report Information Under FCRA and U.S. Code * * I am writing to formally dispute the following inaccurate collection account on my credit report, and to invoke my rights under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681c-2, 15 USC 1666 , and 15 USC 1679g .

The presence of this inaccurate information is negatively impacting my credit score and financial standing. Therefore, I request the immediate removal of this collection from my credit report. Per the FCRA, I am entitled to a thorough investigation, and I urge you to expedite this matter within XXXX hours. 

Attached to this letter, you will find documentation supporting my claim, including [ Ftc reports annual credit reports with inaccuracies also photos of inaccuracies ]. 

Please confirm the removal of these collection account from my credit report and provide me with a copy of the updated report at your earliest convenience. For any inquiries, I can be reached at the phone number or email address listed above. 

Thank you for your immediate attention to this urgent matter. 
FTC report # : XXXX 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