Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
RE : FORMAL LITIGATION NOTICE OF DISPUTE VIOLATION OF FCRA/FDCPA Account Number : XXXX Original Creditor : XXXX XXXX XXXX Co XXXX 

To Experian, This letter serves as a formal notice of dispute and litigation preservation request under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) regarding inaccurate, incomplete, and misleading information reported by Credit Collection Services on my consumer credit file. 

Upon review of my credit report, the following serious errors have been identified in relation to the above-referenced account : XXXX. Inaccurate Reporting of Account Status Update Date The report states a past-due balance as of XX/XX/XXXX, while the status updated date is listed as XX/XX/XXXX. This is materially inconsistent and constitutes false reporting under FCRA 1681s-2 ( a ) ( 1 ) ( A ).

2. Incomplete Payment History Several months show blank or missing entries, including dashes and ND ( No Data ), without explanation. This results in a materially incomplete reporting under FCRA 1681e ( b ), which requires completeness and accuracy.

3. Improper Terms Reporting The Terms field is marked as 1 Month, which is inapplicable to a collection account. This is misleading and suggests an installment or contractual repayment structure that does not exist.

4. Unsubstantiated Also Known As Entity The account is listed under two inconsistent names : CREDIT COLLECTION SERVIC and CREDIT COLLECTION SERV. This can be construed as duplicate or misrepresented creditor identity, raising potential FDCPA 1692e ( 10 ) violations for deceptive representation. 

XXXX. Failure to Accurately Report Dispute Outcome Although my dispute was marked as updated in XX/XX/XXXX, there is no clarification of the outcome ( i.e., verified, corrected, deleted ), violating FCRA 611 ( a ) ( 5 ) ( A ), which mandates the furnisher or CRA to inform the consumer of dispute results. 

6. Improper Date for Purging Negative Entry The account is set to remain on record until XX/XX/XXXX, despite having been opened in XX/XX/XXXX. Under FCRA 605 ( c ), collections must be removed 7 years from the original delinquency date not the collection assignment date. 

Demand for Immediate Action In light of these violations, I am formally requesting the following within 15 days : 1. Immediate investigation and deletion of the account if the inaccuracies can not be fully verified with original documentation from the original creditor ( XXXX XXXX XXXX ). 
XXXX. A written explanation of the outcome of my prior dispute and the documentation used to verify this debt. 
XXXX. If the account is verified, provide full documentation including : Original creditor agreement Chain of assignment/ownership of the debt Payment history and delinquency dates Validation of the Terms field and reporting method Notice of Intent to Litigate If you fail to comply with this request within 15 days from receipt of this letter, I will be forced to initiate a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action for damages under : FCRA 1681n/o Willful and negligent noncompliance FDCPA 1692k Statutory damages for deceptive or unfair practices This letter also serves as a litigation hold notice. You are instructed to preserve all records, correspondence, phone logs, account notes, and documentation related to this account for discovery purposes. 

Sincerely, 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 non-monetary relief