Consumer complaint received 2025-01-05 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:
I am deeply concerned about the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my fundamental right. Kindly provide me with all available details regarding the lapses in accuracy and compliance. 
I have zero tolerance for negative information, certified or not. My utmost concern lies in the verifiable facts and truths regarding your company and the data pertaining to my credit profile. The erroneous credit report I received raises surprise as it should align with the FCRA and relevant Metro 2 data field formatting standards. I challenge you to create a verified, complete, and accurate document, presenting evidence for each claim. The XXXX XXXX highlights that any deviation from these standards jeopardizes data integrity, which is a matter of utmost seriousness. Failure to follow these standards could compromise the integrity of your data. 
Listed below are the Personal Information that are being challenged Employer - XXXXXXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Incorrect XXXX : - XXXX Incorrect CurrentAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect- The personal data reporting is inaccurate. 
I am writing to request that you kindly update your records regarding my account with your organization, which is held under the name of Employer and bears the account number XXXX AND XXXX. It has come to my attention that the current information in your records is inaccurate and falls below the acceptable standard of accuracy. 
I humbly urge you to take prompt action to rectify this matter as inaccurate data can have severe consequences and could lead to legal action against both of us. I would like to remind you that any erroneous information on my credit report or in your records is unacceptable and must be removed without any delay. 
Incorrect Name : - XXXX XXXX XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 
Incorrect Name : - XXXX XXXX XXXX I wish to draw your attention to the utmost significance of maintaining current and accurate records within your organization. Regrettably, I have discerned certain inconsistencies within your database, wherein certain names deviate from the precise personal information I have furnished in this communication. Consequently, I respectfully implore the expeditious correction of any such discrepancies to uphold the veracity and completeness of your data repository. It is imperative that the information retained accurately reflects my identity, which exclusively comprises the name XXXX XXXX XXXX. Your swift intervention in rectifying this matter would be sincerely valued, as it will avert any further inconvenience or dissatisfaction. 
Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 
It is of utmost importance that your personal information in our records is current, precise, and readily verifiable. In order to comply with the standards set forth by the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX, it is imperative that we possess the appropriate documentation for your credit profile. To ensure adherence to these regulations, I kindly request that you expeditiously remove any address within your system that does not correspond with my specified address of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX. Your cooperation in rectifying this matter promptly is highly appreciated. 
Incorrect DOB : - XXXX The following personal information is incorrect - The personal data reporting is inaccurate. 
Incorrect DOB : - XXXX Upon thorough examination of the erroneous field, I wish to bring to your attention that the supplied data does not align with the specified requirements. It regrettably lacks precision and does not conform to the essential guidelines. In accordance with my understanding, it is imperative that all fields strictly adhere to the XXXX XXXX standards, with no allowances for deviations. Consequently, I respectfully request the expeditious rectification of this account, as the incomplete, unverified, and inaccurate information has the potential to exert a financial impact on my part. 
Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 
I hope this message finds you well. I am writing to inform you about a potential deviation from required reporting standards in my account, Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, FL XXXX. I have noticed a discrepancy between my provided address at XXXX XXXX XXXX, XXXX, f ', XXXX and certain listings in your records. I kindly request your immediate attention to rectify this situation by promptly deleting any inaccurate listings. Ensuring the accuracy of my information is crucial, and I expect a swift resolution. 
XXXX XXXX XXXX XXXX  This is XXXX formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate and unverifiable information reported on my credit file bXXXX XXXX XXXX XXXXL with account XXXX XXXX I demand an immediate investigation into the reported inaccuracies and expect either full verification or removal of the erroneous information.Upon reviewing the details of the account, I found several issues that directly violate FCRA standards : XXXX. The account is listed with a high balance of {$1.00} XXXX and a negative status, but no supporting documentation has been provided to validate the legitimacy of these claims. XXXX. Dates such as last activity ( XX/XX/XXXX ) and last reported ( XX/XX/XXXX ) conflict with the reported status and history, indicating incomplete or inaccurate reporting. XXXX. Comments stating, " Transferred to another lender or claim purchased, '' lack specificity and verification, raising doubts about the accuracy of the information being reported.- Under FCRA XXXX XXXX, I have the right to dispute information I believe to be inaccurate. You, as the XXXX XXXX XXXX, are required to : XXXX. XXXX a thorough investigation of this account, including obtaining full verification from the original creditor or any party that currently owns this account. XXXX. Remove or correct any information that can not be fully verified as accurate, complete, and up-to-date.lf the investigation fails to produce original supporting documentation proving the accuracy of this information, I demand its immediate removal from my credit report. Failure to comply with these requirements within the XXXX investigation period mandated by the FCRA will XXXX in formal complaints filed with the Consumer Financial Protection Bureau XXXX CFPB ) and other regulatory bodies, as well as potential legal action for damages caused by inaccurate reporting. 
The account attributed to XXXX XXXX XXXX bearing the displayed account number XXXX on my report lacks compelling evidence to support its validity, accuracy, and completeness, let alone its certification as compliant with established industry standards. It is crucial to acknowledge that the XXXX XXXX XXXX XXXX ( XXXX ) itself has insinuated or explicitly stated that any deviation from the law or recognized credit reporting standards renders a claim deficient. Therefore, it becomes imperative to remove any and all such claims from the report and refrain from reintroducing them unless their lawful compliance with all necessary requirements for accurate reporting can be proven. This course of action must be taken, irrespective of any perceived misapplication, willful ignorance, or negligent disregard on your part concerning your reporting practices and claims. It is essential to highlight any deviations, including but not limited to the following deficiencies, as justifiable grounds for the appropriate elimination of the claim 's reportability. 
XXXX XXXX XXXX XXXX - XXXX This account is inaccurately reporting late payments on multiple bureaus. The discrepancies in the payment status XXXX, Experian, and XXXX violate 15 USC 1681e ( b ), which mandates the bureaus to maintain maximum possible accuracy of consumer reports. The account also display inconsistency in reporting activity date. - This is paid as agreed and should not be reporting negatively on my report. I am disputing the accuracy of this account under 15 USC 1681 i. Please update the late payments to " Paid as agreed, never late, '' in accordance with 15 USC 1681 e ( b ). The account must be corrected across all three bureaus, or it should be removed due to incomplete and inaccurate reporting. Failure to correct these discrepancies violates 15 USC 1681 i ( 5 ). If the issues are not resolved, the account should be deleted. 
XXXX XXXX XXXX XXXX - XXXX I kindly address the alleged delinquency and/or derogatory claim ( XXXX ) outlined above, which, as reported, lack the minimal mandatory document proof required to certify the current compliant reporting of negative information. These claims must be physically verified, confirmed, and shown to be factually accurate, correct, timely, complete, and beyond doubt. Due to this deficiency, I insist on the immediate and comprehensive removal of all alleged negative aspects, in order to restore and uphold the ethical and legal reporting standards prescribed by adequate consumer credit reporting practices. 
XXXX XXXX XXXXXXXX Let me be perfectly clear : l, XXXX XXXX, NEVER authorized XXXX, Experian, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. S 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. S 1681 b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law. - I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. S 1681 i ( a ). 
I am writing to bring to your attention the incomplete, inaccurate, and unverified information provided to me concerning my XXXX with XXXX. I have carefully reviewed the information, and it is evident that the data has not been verified for accuracy, completeness, timeliness, and validation, which are critical reporting standards and consumer laws. 
To ensure compliance with these requirements, I am requesting that you provide documented proof of compliance. The information provided thus far is insufficient and contains inaccuracies, incompleteness, and unverified claims. 
Therefore, I must insist that you immediately remove any information that is imperfect, inaccurate, incomplete, or unverified. It is essential that all information provided is accurate and verified to avoid any preventable issues down the road. 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX The account is listed as " closed '' by XXXX and XXXX, but " open '' by Experian. The inconsistency in reporting violates FCRA 15 USC 1681e ( b ), which mandates that credit bureaus report only accurate and consistent informartion. - This is account is inaccurately reporting late payments, and discrepancies in reporting the across bureaus violate 15 USC 1681e ( b ), which mandates maximum possible accuracy in consumer reports. The " XXXX XXXX '' issue reflects inconsistent data between XXXX, Experian, and XXXX, which is legally required to be fully accurate and consistent. 
I am writing to express my dissatisfaction regarding the compliance reporting standards and relevant consumer laws related to my XXXX XXXXXXXX XXXX XXXX with XXXX. Despite my requests, I have not received any documented evidence of compliance, which is a significant concern. 
I would like to request that you take immediate action to remove the flawed and incorrect report or provide the necessary documentation to comply with legal requirements. Failure to do so may result in legal action being taken against your organization.

It is crucial that we are aware of the necessary documentation required to review and avoid being caught off guard later on. The lack of accurate information can lead to preventable issues down the road, and it is essential that we address this matter with the utmost urgency. 
XXXX XXXX XXXX - XXXX This account is inaccuarately reporting late payments on multiple bureaus. The discrepancies in the payment status across XXXX, Experian, and XXXX violate 15 USC 1681e ( b ), which mandates the bureaus to maintain maximum possible accuracy of consumer reports. The account also displays inconsistency in reporting activity dates. - I have not received any documentation validating the legitimacy of this debt or confirming the details reported. Under FCRA 15 USC 1681 i ( a ) ( 5 ) ( A ), unverifiable information must be deleted from my report. If the credit bureau can not substantiate this account 's accuracy, I expect to be removed immediately I am writing to express my sincere disappointment with the current state of the information pertaining to XXXX XXXX XXXX and XXXX in your database. Regrettably, it has come to my attention that the data is not up-to-date and fails to meet the essential criteria of accuracy as expected. I urge you to address this matter urgently, as failure to do so promptly may necessitate the initiation of legal proceedings. It is imperative to emphasize that inaccurate and flawed information has no rightful place in your database or on my credit report. I therefore kindly request the immediate removal of such erroneous data. 
XXXX - XXXX Let me be perfectly clear : l, XXXX XXXX, NEVER authorized XXXX, Experian, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. S 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. S 1681 b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law. 
I hereby bring to your attention the matter concerning the data pertaining to XXXX and XXXX. It is imperative to acknowledge that the aforementioned data has not undergone any certification process to validate its adherence to established reporting standards. Consequently, it can not be guaranteed that the included information is accurate, current, or comprehensive in nature. Moreover, it is essential to recognize that this data may be incomplete, outdated, or lacking in proper support. In light of these circumstances, I kindly request the removal of any inaccurate or unsupported content from the aforementioned page. 
XXXX XXXX XXXX - XXXX XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The " Late Pay '' and " Charge Off ' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report. 
Kindly be advised that the information presented for XXXX XXXX XXXX linked to XXXX XXXX has not undergone certification to conform to recognized reporting standards. It is imperative to acknowledge that this data might be incomplete, outdated, or unsupported. Thus, I respectfully request the removal of any inaccurate or unsupported material from this page to ensure accuracy and reliability. Your prompt attention to this matter would be greatly appreciated. 
XXXX XXXX XXXX - XXXX The collection account shows inconsistencies in bureaus and lacks validation under 15 USC 1692g.

Additionally, the account charge-off status does not align with accurate reporting procedures, violating 15 USC 1681 e ( b ), which mandates maximum possible accuracy in credit reporting. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report. 
I would like to bring to your attention that the account identified as XXXX XXXX XXXX - XXXX has been reported as an unconfirmed alleged COFF. It appears that you have provided a section of a credit report that pertains to this account number. According to the report, the account is either not being reported or is not in compliance with the established standards for credit reporting agencies. This situation can potentially raise concerns about the accuracy and integrity of the data that is being reported. It is worth noting that the report underscores the importance of strictly adhering to the established standards for reporting data fields, including the account number. 
XXXX XXXX XXXXXXXX This account is reporting inconsistencies in reporting is a violation of FCRA 15 USC 1681e ( b ), which requires credit bureaus to report only accurate and consistent information. - PLEASE DELETE ACCOUNT. This account violate these laws 15 USC 1681i, 15 USC 16810, 15 USC 1681i5, 15 USC 1681eb. 
I would like to express my profound disappointment and concern regarding the information provided for XXXX XXXX - XXXX. It is disheartening to discover that the data in question has not undergone the necessary certification to meet established reporting standards. Consequently, there is no assurance of its accuracy, currency, or completeness. Furthermore, it is essential to acknowledge that this information may be incomplete, outdated, or unsupported. In light of these significant shortcomings, I kindly request the immediate removal of any incorrect or unsupported material from this page, as it fails to meet the expected standards and undermines the integrity of the information provided. 
XXXX XXXX XXXX XXXX XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The " Late Pay '' and " Charge Off ' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report. 
I must express my deep disappointment regarding your failure to provide documented proof of compliance with reporting standards and consumer laws. This deficiency is significant. I demand the immediate deletion of this flawed and inaccurate report, as your company 's failure to meet legal requirements in these matters may result in legal action. It is crucial that we are aware of the content presented in documentaries to avoid being unprepared for potential future issues. These issues could have been prevented if those with knowledge had prioritized accuracy over convenience, leaving behind even a single piece of evidence. 
XXXX XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The " Late Pay '' and " Charge Off ' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - PLEASE DELETE ACCOUNT. This account violate these laws XXXX XXXX XXXX681 i, 15 USC 16810, 15 USC 1681i5, 15 USC 1681eb. 
XXXX - XXXX, I must express my profound disappointment and concern over the absence of certification for the data presented, making it unfit to comply with any established reporting standards. It is important to note that this information appears to be incomplete, outdated, or lacking proper validation. Regrettably, I must insist on the timely removal of any erroneous or unsupported content from this page to ensure the accuracy and credibility of the data provided. Your prompt attention to this matter would be greatly appreciated. 
XXXX XXXX XXXX - XXXX I am writing to formally dispute the inaccurate and unverifiable information related to XXXX XXXX XXXX with account number XXXX as reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I demand an immediate investigation into this matter and prompt correction or removal of the erroneous information. This account is reported as {$1.00} XXXX past due with comments stating, " Medical Subject has not satisfied debt. '' However, this reporting contains several inaccuracies and violations of the FCRA : XXXX. The balance and high balance amounts are inconsistent and unverified. XXXX. The reporting fails to provide specific details about the original creditor, making it impossible to verify the legitimacy of this account. XXXX. Dates such as last activity ( XX/XX/XXXX ) and last reported ( XX/XX/XXXX ) do not align logically with the account 's status.Under FCRA XXXX XXXX i, credit reporting agencies must ensure that all reported information is accurate, verifiable, and complete. Moreover, under FCRA XXXX XXXX XXXX ( b ), you are obligated to use reasonable procedures to ensure maximum possible accuracy of all information reported. - I demand that you : XXXX. Verify the accuracy of this account by obtaining complete and original documentation directly from the original creditor. XXXX. If this account can not be fully verified as accurate, complete, and compliant with the FCRA, you must delete it from my credit report immediately.Please note that failure to resolve this dispute will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Additionally, I reserve the right to take legal action for damages caused by inaccurate reporting. 
I trust you are well. I wish to express my disappointment regarding the data provided under XXXX XXXX XXXX - XXXX. Regrettably, this information has not been certified to comply with reporting standards. Furthermore, it appears to be incomplete, outdated, or unsupported. Therefore, I kindly request the removal of any erroneous or unsupported content from this page. 
XXXX XXXX  XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The " Late Pay '' and " Charge Off ' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report. 
I hope this message finds you well. I am writing to bring to your attention a matter concerning the data provided under XXXX XXXX  XXXX. Regrettably, I must express my disappointment as the data appears to lack certification for meeting any reporting standards. It is crucial to emphasize that this information may be incomplete, outdated, or unsupported, which raises concerns about its reliability and accuracy. Therefore, I kindly request that any erroneous or unsupported material be promptly removed from this page. Your attention to this matter would be greatly appreciated. 
XXXX XXXX XXXX XXXX I am writing to formally dispute the inaccurate and unverifiable information listed on my credit report under the FCRA ( 15 U.S.C. S 1681 ). The account in question, identified as [ Account Name : XXXX XXXX XXXX ] with the account number [ Last XXXX Digits : XXXX ] **, contains errors that must be corrected or removed immediately.Specifically, this account is reporting : XXXX. A balance of {$1.00} XXXX listed as past due, even though the details do not align with my records. XXXX. Inconsistent and unverifiable dates between " last activity, '' " date closed, '' and " last reported, '' which cast doubt on the accuracy of the reporting. XXXX. Negative status across multiple credit bureaus without sufficient evidence to substantiate the claim.Under the FCRA, you are required to report only accurate and fully verified information. I demand the following actions : 1. Verify the legitimacy of this account by obtaining original documentation directly from the original creditor. Merely verifying it with the current debt holder does not satisfy FCRA requirements. 2. If the accuracy of this information can not be fully validated, you are obligated under FCRA S 1681i to promptly delete it from my credit report.Be advised that failure to correct this error may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), and I reserve the right to pursue legal action to protect my credit profile. - I request a written response confirming your investigation and any changes made to my credit report. Per the FCRA, you have 30 days from the receipt of this dispute to complete your investigation and respond.Please find enclosed copies of my credit report excerpts highlighting the disputed information for your reference. 
We regret to inform you that the account associated with the account name XXXX XXXX XXXX and account number XXXX has been found to exhibit inconsistencies among the three credit reporting agencies. It is imperative to note that any kind of disparity, inadequacy, inaccuracy, or exclusion of the reported details is considered a discrepancy from the standardized XXXX XXXX Data-filled Field Formatted reporting compliance regulations, which is mandatorily adhered to by the reporting industry. Any deviation from this protocol is an act that compromises the data 's integrity, as clearly stated in the XXXX XXXX XXXX. Therefore, the authenticity of the disputed reported item is legally questionable until there is irrefutable evidence of the accuracy, completeness, timeliness, and physical verification of all aspects of the claim. This is particularly significant if the reported item is not fully compliant with the XXXX XXXX formatted industry requirements, as mentioned above, and could jeopardize the data 's integrity. We kindly request you to investigate the following suspect reported data fields of the contested reported item of injury, taking into account the above mentioned discrepancies. 
XXXX XXXX XXXXXXXX Let me be perfectly clear : l, XXXX XXXX, NEVER XXXX XXXX, Experian, XXXX XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. S 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. S 1681 b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law. - I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. S 1681 i ( a ).

I must express my disappointment and concern regarding the data presented under XXXX XXXX XXXX. Regrettably, it appears that the information has not been certified to meet any reporting standards, and furthermore, it XXXX be incomplete, outdated, or unsupported. Therefore, I kindly request the immediate removal of any incorrect or unsupported material from this page. 
XXXXXXXX XXXX XXXX XXXX XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The " Late Pay '' and " Charge Off ' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - PLEASE DELETE ACCOUNT. This account violate these laws 15 USC 1681 i, 15 USC 16810, 15 USC 1681i5, 15 USC 1681eb. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX regretfully express my dismay and concern regarding the data presented above, which regrettably lacks the necessary certification to meet essential reporting standards. It is important to highlight that this information may potentially be incomplete, outdated, or without proper substantiation. In the interest of accuracy and credibility, I kindly request the prompt removal of any erroneous or unsupported content from this page to ensure the integrity of the provided information. 
XXXX XXXX XXXX - XXXX I am writing to formally dispute the erroneous and unverifiable information appearing on my credit report under the name XXXX XXXX XXXX, with account number XXXX pursuant to the Fair Credit Reporting Act ( 15 U.S.C. S 1681 ) .The following issues with this account render its reporting invalid and demand immediate investigation and correction : 1. The reported past-due balance of {$690.00} is inaccurate, unverified, and inconsistent across the information provided by different credit bureaus. 2. Discrepancies in dates such as " Last Activity '' and " Last Reported '' make it clear that this account 's reporting has not been properly maintained or verified. 3. Comments such as " Collection/Chargeoff ' and " Account Seriously Past Due '' are unsubstantiated and violate FCRA requirements for accuracy and complete verifiability.Under FCRA S 1681i, you are required to : Conduct a thorough investigation to verify the accuracy of this account. This verification must include original documents from the original creditornot information merely passed along by XXXX XXXX XXXX. Correct or delete any information that can not be fully verified. - If you are unable to validate the accuracy and legitimacy of this account, I demand its immediate deletion from my credit report to prevent further harm to my creditworthiness.Please note that failure to comply with this formal dispute within the 30-day investigation period mandated by the FCRA will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to enforce my rights under federal law.Attached are copies of my credit report highlighting the disputed account for your convenience. I expect written confirmation of your findings and any corrective actions taken at the conclusion of your investigation.SEE ATTACH

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