Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request the removal and correction of inaccurate information on my credit report. Specifically, I am disputing the following : 1. Accounts to Be Removed : XXXX XXXX XXXX XXXX Account to Be Corrected : XXXX XXXX : Update and correct late payments to reflect Paid as Agreed. 
3. Unauthorized Credit Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I have no knowledge of these inquiries or their origin. Additionally, I have attached evidence confirming that I was a victim of the XXXX data breach, which may have contributed to these inaccuracies Im disputing the reporting of XXXXXXXX XXXX  on my credit report. As I am currently in active litigation with XXXX XXXX per U.S. Code regulations, this account should not be reported until the matter is fully resolved. Furthermore, it should not be listed as a charge-off on my credit report. request that this account be promptly removed from my credit file to ensure compliance with applicable laws and to prevent further harm to my credit standing. Please investigate this matter and provide a written response confirming the corrective action taken. 
Under federal law, I have the right to have inaccurate, erroneous, or outdated information removed from my credit report. Upon reviewing my report, I have confirmed that the charge-offs do not accurately reflect my financial history. I believe these entries are the result of either a mistake or an oversight, and I respectfully request their immediate removal, as well as the proper update of my payment history to reflect accurate reporting. Experian, XXXX, & XXXX have all failed to properly investigate these disputed accounts and has continued to improperly reinsert them into my credit report. This violates my rights under : 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) Failure to conduct a proper investigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Violation of reinsertion protocol.

Additionally, these violations have caused me actual damages, for which I am entitled to : Statutory damages per 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) Punitive damages per 15 U.S.C. 1681n ( a ) ( 2 ) Actual damages for harm caused per 15 U.S.C. 1681n ( a ) Given these violations, I am requesting compensation in the amount of {$10000.00} for the damages incurred. Furthermore, I am demanding that this matter be resolved within 30 days, as is my legal right under 15 U.S.C. 1681i ( a ) ( 1 ). As Well As immediate deletion of all inaccuracies mentioned in this here letter. 
Please provide a written response confirming the actions taken regarding my dispute. If this matter is not resolved appropriately and in a timely manner, I am prepared to escalate my complaint to the appropriate legal and regulatory authorities. 
I appreciate your prompt attention to this matter and look forward to your response. 

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