Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year> I sent a dispute to Experian XXXX. XXXX XXXX XXXX, to XXXX certified mail stating Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Subject : Formal Dispute of Inaccuracies on My Credit Report I am writing to formally dispute inaccurate and misleading information on my Experian consumer credit report. The presence of these errors is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681, specifically 15 USC 1681e ( b ) and 1681s-2. These inaccuracies have caused significant financial harm by affecting my creditworthiness and ability to secure fair credit terms. 
Inaccuracies Identified XXXX. Incorrect Personal Information : My name appears incorrectly in multiple variations, including " XXXX XXXX XXXX, " " XXXX XXXX, " and " XXXX XXXX XXXX. 
" My correct legal name is XXXX XXXX XXXX XXXX. 
My business name is XXXX XXXX XXXX, yet it appears incorrectly as " XXXX XXXX XXXX '' and " XXXX XXXX XXXX. 
" XXXX. Incorrect Addresses : My report includes incorrect addresses, such as : XXXX XXXX Wyomissing Ct, Reading, PA, XXXX XXXX XXXX XXXX, XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX My correct and current address is : XXXX XXXX XXXX, Reading, PA XXXX. 
XXXX. Incorrect Account Status and Reporting : Accounts Reported as Both XXXX & XXXX ( Contradictory Reporting ) : Self Financial/Lead Bank Account # XXXX Balance : {$0.00} Fetti Fingerhut/WebBank Account # XXXX Balance : {$0.00} XXXX Co Account # XXXX Balance XXXX {$0.00} XXXX Account # XXXX Balance : {$0.00} Self Financial/Lead Bank Account # XXXX Balance : {$0.00} Reason : A charge-off means the debt has been written off, and reporting it as both charge-off and a collection is contradictory and inaccurate. This must be corrected immediately. 
Accounts with Incorrect Balance/Status : XXXX XXXX XXXX XXXX Account XXXX XXXX Balance : {$250.00} Reason : This account was settled and paid in full but is still reported as a charge-off. 
XXXX Co XXXX Account # XXXX Balance : {$3200.00} Reason : The balance is incorrect and must be corrected. 
Accounts with No Legal Standing to Collect : XXXXXXXX XXXX Account # XXXX Balance : {$1400.00} XXXXXXXX XXXX Account # XXXX Balance : {$1100.00} XXXXXXXX XXXX Account # XXXX Balance : {$1000.00} XXXX XXXX XXXX # XXXX Balance : {$1300.00} Reason : These debts have been XXXX and should not be listed as active. 





XXXX XXXX XXXX Account # XXXX Balance : {$710.00} XXXX XXXX XXXX Account # XXXX Balance : {$710.00} XXXX Account # XXXX Balance : {$130.00} XXXX Account # XXXX Balance : {$100.00} XXXX XXXX XXXX Account # XXXX Balance : {$71.00} Reason : These XXXX have no legal jurisdiction to collect on these debts. 
Debt Collector Dispute Validation Request & Cease and XXXX XXXX XXXX Account # XXXX Creditor Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX AmSher Collection Service Account # XXXX Balance : {$720.00} XXXX request full debt validation pursuant to XXXX XXXX XXXX XXXX b ), including : A signed agreement with the original creditor showing I agreed to this debt. 
All statements related to this account. 
Proof that this debt was not already XXXX or settled.These agencies are illegally attempting to collect a debt I do not owe. If validation is not provided within 10 days, all references must be deleted from my credit report. 
XXXX XXXX for XXXX XXXX XXXX XXXX & Collections : An account can not be both a charge-off and a collection. Reporting both is fraudulent and violates FCRA XXXX XXXX XXXX. 
Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 USC 1692b ( 5 ), 1692 ( 2 ) ( A ), 1692e ( 3 ), 1692 ( 6 ) ( B ), 1692 ( 9 ), 1692 ( 10 ), 1692 ( 11 ) These agencies are misrepresenting debts and falsely attempting collection. 
If these violations persist, I will file : IRS Form XXXX for tax fraud related to charge-offs. 
Complaints with the Consumer Financial Protection Bureau ( CFPB ). 
Legal action under 15 USC 1692k for damages. 
XXXX for XXXX XXXX XXXX XXXX I demand that : XXXX. XXXX. XXXX. XXXX. A full investigation is conducted within 30 days. 
Corrections or deletions of inaccurate items are made immediately. 
A written confirmation of these changes is sent to me. 
Notify all credit bureaus ( including Equifax and TransUnion ) that have received my credit report of the corrections made, ensuring that my updated credit file is properly reflected across all agencies. 
If my dispute is not resolved within 30 days, I will pursue legal remedies. I still havent received a response within the 30 days

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