Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate information listed on my credit report, which has been a continued source of concern. I recently reviewed my credit report and found that certain information, which I have disputed in the past, has not been corrected. Despite my previous efforts, the issues persist, and as such, I feel compelled to bring this to your attention once again. 
As per the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian, it was highlighted that the company has failed to follow proper procedures for resolving disputes, which has resulted in the continued reporting of inaccurate information on consumer credit reports. I am experiencing similar issues with my own credit report and expect prompt action in accordance with consumer protection laws. 
The following information on my report remains inaccurate and must be corrected : 1. Account Name/Type : List of the name and account number of the disputed item ( s ) 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 2. Description of the Discrepancy : Details are all inaccurate detailse.g., incorrect account status, payment history, balances, etc. I am a victim of Identity theft. I notice the accounts when I tired to refinance my current mortgage from XXXX XXXX. 
3. Date of Dispute : I have provided this request 4 times. Most recent was XXXX XXXX, XX/XX/XXXX, and XXXX XXXX I request that you thoroughly investigate these discrepancies and take corrective action by updating or removing the inaccurate information from my credit file. Furthermore, I would appreciate receiving a written confirmation from Experian once these updates have been made. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate representation of my credit report. I trust that Experian will comply with the legal requirements to resolve this matter, as outlined by the CFPB and the relevant consumer protection regulations. 
If I do not receive a resolution within the required timeframe, I will consider escalating this issue with the CFPB and other relevant authorities to seek a more comprehensive resolution. 
Thank you for your immediate attention to this matter. I expect prompt and accurate corrections. 

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