Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX RE : Formal Credit Report Dispute Request for Investigation To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information currently reporting on my consumer credit report. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), the Truth in Lending Act, and the Fair Credit Billing Act. The following accounts are reporting as charge-offs or charge-off collections and contain inconsistent and inaccurate reporting between credit reporting agencies : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : {$11000.00} Account Name XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX These accounts contain several inaccuracies including but not limited to : Conflicting dates of last activity between credit bureaus Account reported closed with one bureau but not closed with another Balance owed exceeding the reported high balance Missing or inconsistent verification information Different reporting dates across consumer reporting agencies Under FCRA 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The discrepancies listed above clearly indicate that the information being reported is not accurate. Pursuant to FCRA 1681i, I am requesting that you conduct a reasonable reinvestigation of the disputed information. Please provide the following documentation used to verify these accounts : 1. The original signed contract bearing my signature 2. Complete payment history for the accounts 3. Documentation showing how the balance owed was calculated 4. Proof of the date of first delinquency 5. Documentation verifying the charge-off status 6. The method of verification used during your investigation 7. The name, address, and telephone number of the party who verified the information Additionally, if any third-party debt collector is involved, this letter also serves as a request for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Until such validation is provided, continued reporting of these accounts may constitute a violation of federal law. Under the Truth in Lending Act and the Fair Credit Billing Act, creditors are required to maintain documentation supporting the validity and accuracy of accounts they report. If the disputed accounts can not be verified with competent documentary evidence, they must be deleted from my credit file pursuant to FCRA 1681i ( a ) ( 5 ). Please complete your investigation within the 30-day statutory period and provide written confirmation of the results of your investigation. 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 explanation