Consumer complaint received 2025-04-16 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: DE

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Unverifiable Account Reporting Violation of FCRA To : TransUnion/Equifax/Experian I am formally disputing the validity, accuracy, and legal permissibility of a collection account being reported by XXXX XXXX Financial Solutions XXXX XXXX XXXX XXXX XXXX ) regarding alleged medical debt on my consumer credit report. 

After reviewing this account thoroughly, I have identified multiple FCRA violations, material inaccuracies, and inconsistencies in the data being reported. Please review the dispute and provide a formal investigation as outlined in the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

1. Inconsistencies & Disputes : Conflicting Account Statuses The account is listed as Open under XXXX XXXX and simultaneously listed as Closed under XXXX XXXX XXXX for the same account number ( XXXX ) which violates FCRA 607 ( b ) ( duty to report accurately ).

Inconsistent Dates 2. Last Activity is listed as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX one of which is a future date that is impossible and a clear sign of inaccurate reporting under FCRA 607 ( b ).

3. Duplicate Reporting The same account is being reported multiple times, under different names and slightly varied data, which may result in unfair negative scoring practices this violates the consumer protection purpose stated in FCRA 602 ( a ) and can be seen as deceptive reporting.

4. No Payment History Despite the claim of collection activity, there is no available payment history, no evidence of attempts to collect, and no record of consumer interaction contradicting the accuracy required under FCRA 611. 

XXXX. No Clear Proof of Ownership or Right to Collect There is no documentation showing that XXXX XXXX XXXX XXXX has been legally assigned or purchased this debt from the original creditor ( XXXX XXXX XXXX ). Without a valid chain of custody, this entry can not be verified under FCRA 611 and FDCPA 809.

6. Term Source Type inconsistency : One report says Provided, others say No History Available or leave it blank. 
This raises questions about data accuracy, uniformity, and reporting procedures under FCRA 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 

7. Original Creditor discrepancy : One lists MEDICAL, another lists XXXX XXXX XXXX, and another is vague or missing. 
According to FCRA 609 ( a ) ( 1 ), you have a right to know the original source of the information. 
If the collector cant prove ownership or chain of custody from the original creditor, thats a major flaw. 
Also consider FDCPA 809 ( b ) they must verify the debt upon request and provide the name of the original creditor.

My Formal Requests Under FCRA & FDCPA : -Full Method of Verification ( M.O.V ) per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
-Original signed contract/agreement from the original creditor ( XXXX XXXX XXXX XXXX XXXX per FCRA 609 ( a ) ( 1 ).

-Proof of assignment or purchase from the original creditor. 
-Date and documentation showing XXXX XXXX XXXX legal authority to report or collect this alleged debt. 
-Payment history, itemized charges, and how the balance of {$1000.00} was derived. 
-Explanation of the conflicting dates and statuses across the same account ID. 
Investigation logs showing prior disputes or investigation actions. 

I Do Not Acknowledge This Debt This letter does not constitute acknowledgment of any debt. I am requesting validation and verification under FDCPA 809 ( b ) and FCRA 609/611. If this debt can not be verified with original documentation and accurate reporting, it must be permanently removed from my consumer credit file with all reporting agencies. 

Action Requested Delete this collection account from all credit reporting agencies Experian, Equifax, and TransUnion due to the failure to validate and inaccuracies listed above. 
If the debt can not be validated with original source documentation, it must be removed permanently under the FCRA. 

I expect a full written response within 30 days per FCRA regulations. 
If no documentation is provided, I expect this unverifiable, inaccurate entry to be permanently deleted from all three major credit bureaus ( Experian, Equifax, and TransUnion ). 

Submitted To : Consumer Financial Protection Bureau ( CFPB.gov ) Dispute filed under FCRA and FDCPA consumer rights.

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