Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Perfect thank you for sharing the account details. Based on this report, the account shows XXXX XXXX Unknown as creditor name XXXX XXXX XXXX XXXX  future dates XXXX XXXX and XXXX XXXX  inconsistent data across bureaus XXXX XXXX all of which are XXXX XXXX strong legal grounds for deletion under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX 

Heres your XXXX XXXX  dispute letter XXXX XXXX  drafted for this Unknown collection account, formatted professionally and ready to send to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX and XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Deletion of Inaccurate Account Unknown Collection XXXX XXXX  Account Name : XXXX XXXX Unknown XXXX XXXX Partial Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Reported Balance : XXXX XXXX XXXX$1600.00} XXXX XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX  Dear Credit Bureau Representative, I am formally disputing the accuracy and completeness of an Unknown collection account being reported under my name. Upon review, this account contains multiple factual and legal inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX  Grounds for Deletion XXXX XXXX 1. XXXX XXXX Unknown Creditor Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) : XXXX XXXX  The account lists the XXXX XXXX creditor as Unknown XXXX XXXX  and the XXXX XXXX  creditor type as Other. * * A data furnisher that can not be identified or verified must be removed immediately since it can not be substantiated.

2. XXXX XXXX Impossible Future Dates ( FCRA 611 ( a ) ( 1 ) ( A ) ) : XXXX XXXX The account shows XXXX XXXX  Start Date XX/XX/XXXXXXXX XXXX XXXX  and XXXX XXXX Closed XX/XX/XXXXXXXX XXXX XXXX both of which are future or inconsistent dates. Future-dated reporting is inaccurate and unlawful. 

3. XXXX XXXX Missing Verification Information ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) XXXX XXXX XXXX There is no listing of the original creditor, collection agency, or payment verification. Under FCRA 611, unverifiable information must be deleted.

4XXXX XXXX XXXX Inconsistent and Incomplete Reporting ( FCRA 607 ( b ) ) : XXXX XXXX XXXX, Experian, and TransUnion report different or incomplete information such as missing account status, dates, and payment history making the data materially misleading.

5. XXXX XXXX No Evidence of Consumer Liability ( FCRA 602A ) : XXXX XXXX  There is no proof that I authorized or am liable for this debt. Without verifiable documentation from the original creditor, this tradeline must be deleted.

-- - Given the above, I am requesting an XXXX XXXX immediate reinvestigation XXXX XXXX  and XXXX XXXX permanent deletion * * of this Unknown collection account from my credit files with all three major bureaus.

Please provide me with the following upon completion of your investigation XXXX XXXX  The name, address, and phone number of the furnisher or collection agency that verified the account.

XXXX  The method of verification.

XXXX  A copy of any documentation bearing my signature if available.

If the furnisher can not verify this account within 30 days, it must be deleted entirely under XXXX XXXX FCRA 611 ( a ) ( 5 ) XXXX XXXX.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Would you like me to turn this into a XXXX XXXX  ready-to-mail PDF XXXX XXXX  version ( with signature line and formatted headers for each bureau )?

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