Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Your letter is detailed and well-written. However, to maximize its effectiveness, here are a few tips and refinements : Suggested Improvements : 1. Clarity and Conciseness : While the letter covers all relevant legal points, consider streamlining some sections to maintain focus and ensure clarity. 


2. Request for Action Deadline : Explicitly state a deadline for a response, like " within 30 days from the date of this letter. '' 3. Attach Supporting Documents : Mention that you have attached a copy of your credit report with the disputed account highlighted and any other relevant documents ( e.g., correspondence with the creditor ). 


4. Proof of Identity : Experian may require proof of identity. Include copies of a government-issued ID, Social Security card XXXX and a utility bill as verification documents ( mention this in your letter ). 



Revised Letter : -- - [ Your Full Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Date ] Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Account Reporting XXXX ( Account # XXXX ) Dear Experian Dispute Department, I am writing to formally dispute the inaccurate reporting of the XXXX account on my credit report. After reviewing my credit file, I identified significant errors and inconsistencies with this account, which violate my rights under the Fair Credit Reporting Act ( FCRA ). 

I request that Experian investigate this account and provide verification of its accuracy. If verification can not be provided, I request that the account be permanently deleted from my credit file in accordance with FCRA provisions. 

Basis of Dispute : 1. FCRA Section 611 ( 15 U.S.C. 1681i ) The account status and balance history contain conflicting information. If the furnisher can not verify the accuracy of this account, it must be removed. 


2. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) The furnisher has failed to ensure the accuracy of the information reported. Continuing to report conflicting details is a clear violation of this section. 


3. FCRA Section 609 ( 15 U.S.C. 1681g ) I request the following documentation to verify this account : The original signed contract or application for this account. 

A detailed payment history from the original creditor ( WebBank/Fingerhut ). 

Proof of ownership of the debt, as the account is listed as " purchased by another lender. '' 4. FCRA Section 605 ( 15 U.S.C. 1681c ) Negative information, such as charge-offs, must not remain on my report beyond seven years from the date of delinquency. 



Requested Actions : Verification : Provide documentation substantiating the accuracy of this account. 

Correction or Deletion : If verification can not be provided within 30 days, delete the account from my credit report. 


Attached to this letter, you will find : 1. A copy of my credit report with the disputed account highlighted. 


2. Copies of my government-issued ID, Social Security card , and a utility bill for identification purposes. 



Please update my credit report accordingly and provide written confirmation of your actions. I look forward to your response within 30 days of receipt of this letter, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely,

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