Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing for your assistance in making representations to the three major credit reporting agencies, namely Experian, XXXX, and XXXX, to verify that the information being reported on my credit file is accurate and valid. I have recently been made aware that my personal information was compromised as part of a data breach that included my social security number, phone number, address, email, which is of great concern to me and the validity of my credit reports and whether or not these debts are valid. Not disputing yet would like the information confirmed before I take action. Also, because it's just now coming to my attention, there is a lot of XXXX XXXX XXXX, not XXXX XXXX XXXX XXXX. 

Request for Verification of Personal Information I hereby request that Experian, XXXX, and XXXX verify and update my personal information to ensure its accuracy. My correct information is as follows : * Name : XXXX XXXX XXXX XXXX. 
* Address : XXXX XXXX XXXX. 
* Phone Number : XXXX Request for Verification of Debts I am also requesting verification and actual proof that the debts/negative accounts being reported in my name are valid. Specifically, I am requesting : 1. Actual proof of an original agreement or contract with my wet signature on it.

2. Clear documentation or verification of the debt 's origin and its transfer history, if applicable. 
The following accounts, as listed on my credit file, require immediate attention and verification : XXXX XXXX * Balance : {$2500.00} * Status : 150 days past due ( historical data ). Written off XXXX XXXX XXXX * Balance : {$510.00} * Status : Collection account. Written off XXXX XXXX * Balance : {$1200.00} * Status : Collection account. Written off XXXX XXXX * Balance : {$3100.00} * Status : Charged-off account. Written off * Legal Understanding I am aware of my rights under the Fair Credit Reporting Act, commonly referred to as FCRA, and the Fair Debt Collection Practices Act, or FDCPA : * FCRA, 15 U.S.C. 1681s-2, requires credit reporting agencies and furnishers of information to take reasonable procedures to assure that everything reported is accurate. Civil penalties include statutory damages and fines up to {$4000.00} per violation for non-compliance.

* Under FDCPA, 15 U.S.C. 1692, it is a violation for any debt collector to report any information that is false or inaccurate. A violator may be held liable for actual damages, statutory damages of up to {$1000.00}, and additional punitive damages for willful violations. 
Requested Actions 1. Experian, XXXX, and XXXX should verify and update my personal information as specified herein. 
2. Require these agencies and any relevant creditors to provide written verification of the debts in question, including proof of my signature.

3. Send me a detailed letter via mail with the confirmation of my personal information and proof of the verified debts.

Failure to respond adequately to this request may result in further legal action to ensure compliance with federal laws and penalties to the fullest extent.

I do, and I trust that the CFPB will address the above matter in a timely fashion and ensure the credit reporting agencies comply with their legal requirements. Please let me know if further documentation is needed from me. 
Thank you for your help. 
Sincerely, XXXX XXXX XXXX XXXX. 
( I attached a current bill as proof of my current address and phone number )

Company response to consumer: Closed with explanation