Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Against Collections on My Credit Report To Whom It May Concern, I am writing to formally dispute the collection accounts reported on my credit report, as they are inaccurate and violate consumer protection laws. Below are the specific accounts in question : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Collection Entry : XX/XX/XXXX I am disputing the legitimacy of this collection entry based on the following violations of federal law, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-5 2 ( 7 ) ( a ) : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Failure to Provide Accurate Information This section requires that all information furnished by a debt collector to a consumer be accurate and complete. The collection agency has failed to provide accurate details related to this debt, such as the correct amount owed and the history of payments, leading to an incorrect reflection on my credit report. 2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Failure to Disclose the Right to Dispute This section mandates that the debt collector must clearly and effectively disclose the consumers right to dispute the validity of the debt. I was not properly informed of my rights as a consumer to dispute this collection account in a timely manner, which violates the legal disclosure requirements. 3. 12 CFR 1006.34 ( d ) - Insufficient Validation of Debt The collection agency has not provided sufficient and complete validation of the debt, as required by law. As per this regulation, all debt collection efforts must be supported by appropriate documentation, and the information provided to me lacks the necessary detail to verify the legitimacy of this debt. 4. 15 USC 1681-5 2 ( 7 ) ( a ) - Outdated and Inaccurate Reporting According to this statute, credit reporting agencies must not report inaccurate or outdated information. The information reported by the collection agency is not only inaccurate but also may be outdated, which further violates the Fair Credit Reporting Act ( FCRA ). Action Requested : I request that the Consumer Financial Protection Bureau investigate this matter and remove the inaccurate collection entries from my credit report. I expect that these violations be addressed, and the collection account in question be removed as it fails to comply with consumer protection laws. I want this removed from my credit report immediately. I am revoking all rights of them communicating with me via Call/Text/Email . I appreciate your prompt attention to this matter and look forward to a resolution. 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