Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
Date XX/XX/year> Dispute of Inaccurate and Unverifiable Information under 15 U.S.C. 1681 EXPERIAN IS DISHONEST AND PUT UNDER MY CREDIT NOTES ACCOUNT VERIFIED WITH NO VERIFIED EVIDENCE DOCUMENTS. 

I am writing to formally dispute inaccurate and unverifiable information currently reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request an immediate investigation and removal of the following account ( s ) that are not properly verified : Account Name/Number : XXXX XXXX XXXX XXXX XXXX have previously disputed this account multiple times, and it has repeatedly been verified without a proper investigation. To date, I have not received : The original contract bearing my signature, A detailed breakdown of the amount allegedly owed and how it was calculated, and Documentation substantiating the validity and accuracy of this account. 

Your continued reporting of this account without adequate verification violates the FCRA. If you are unable to fully verify the accuracy and legitimacy of this account, you are required to delete it from my credit report. 

Please provide a written response within 15 days of receiving this letter. If you can not verify the information with proper documentation, I expect it to be removed and deleted from my credit profile immediately. 

you are reporting under the account number ( Account Number # XXXX ). As a consumer, I am exercising my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ) to request full validation and proof of your legal authority to collect this alleged debt.Furthermore, under 15 U.S.C. 1681s-2, reporting inaccurate or unverifiable information to the credit bureaus is a violation of federal law. If you continue to report this account without proper validation, you will be in violation of the FCRA, and I reserve the right to pursue all legal remedies available to me, I have now filed a complaints with the Consumer Financial Protection Bureau ( CFPB ) and state attorney general, and pursuing civil claims for damages. 



This letter is in regard to a medical debt you are attempting to collect, reported under Account number and name : Name and Account : ( XXXX XXXX ) Name and Account : XXXX XXXX XXXX XXXX and Account : XXXX XXXX XXXX I am formally disputing this account and requesting full validation under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) , the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) , and relevant provisions of the Health Insurance Portability and Accountability Act ( HIPAA ). 



As the consumer, I am asserting my legal right to request the following documentation before you may continue any collection or reporting activity : Complete validation of the alleged debt, including the name of the original medical provider, date of service, itemized charges, and explanation of what was paid by insurance A copy of the original billing agreement bearing my signature, showing I agreed to the services and charges.

Your authorization to collect on this debt, including assignment of debt and proof of ownership.

Proof that you are HIPAA compliant and that no personal health information ( PHI ) was shared illegally or without my consent.

Proof that this account complies with state and federal statute of limitations.

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