Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute and Complaint Against Experian, XXXX XXXX XXXX for Inaccurate Reporting and FCRA Violations To Whom It May Concern, I am submitting this formal dispute and complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies on my credit reports maintained by Experian, XXXX, and XXXX Despite previous attempts to resolve these issues directly with the credit reporting agencies, they remain unresolved. I am requesting the CFPBs assistance in investigating these matters under the Fair Credit Reporting Act ( FCRA ) and ensuring full compliance. 

1. Experian Inaccurate Reporting and Account Status Credit Bureau : Experian Address : XXXX Experian  XXXX, XXXX, TX XXXX - Disputed Account : XXXX XXXX XXXX  - Issue : Listed as " Open '' and " 120 Days Past Due '' - Correction : This account has been closed and paid in full, and this status is correctly reflected on other credit bureau reports . Experians reporting is inaccurate and misleading.

- Disputed Inquiry : XXXX XXXX XXXX- Issue : This is a hard inquiry I did not authorize. I have no record or recollection of applying for any services with this entity. 

These items are causing harm to my creditworthiness and reputation. I am requesting that Experian immediately investigate, correct, or remove these entries. I have included copies of supporting documentation, including identification, a police report, and an FTC Identity Theft Report. 

2. XXXX Inaccurate Personal Information Credit Bureau : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX - Incorrect Names : - Remove : XXXX XXXX, XXXX XXXX XXXX - Correct : XXXX XXXX XXXX - Incorrect Addresses : - Remove : - XXXX XXXX XXXX XXXX XXXX, TX XXXX - XXXX XXXX XXXX, XXXX, TX XXXX - Only Valid Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, AZ XXXX These errors are violations of the following FCRA sections : - 602 Consumer reporting must be fair and accurate.

- 607 ( b ) Information must be verified for accuracy before inclusion.

- 611 Grants consumers the right to dispute inaccurate data.

I request immediate removal of all incorrect names and addresses and an updated report reflecting the corrected information.

3. XXXX XXXX Entries and Ongoing Inaccuracies Credit Bureau : XXXX Address : XXXX XXXX XXXXXXXX, XXXX, PA XXXX I dispute multiple accounts and inquiries that remain inaccurately reported. I have highlighted these items on the attached copies of my XXXX report. 

Under FCRA 611, XXXX must investigate or delete these items within 30 days. Additionally : - Any unverifiable information must be removed immediately. 
- During the reinvestigation period, these items must not be reported or collected upon. 
- Please provide me with the names, addresses, and phone numbers of each party XXXX contacted during the investigation. 

Per FCRA 1681j ( a ) ( 6 ), I am also requesting a free updated copy of my credit report after resolution.

Attachments Included : - Government-issued ID - Proof of address - Highlighted credit reports with disputed items - FTC Identity Theft Report - Police Report Request for CFPB Action : I am requesting that the CFPB : - Launch an immediate investigation into these inaccuracies.

- Ensure the credit bureaus correct or delete the disputed items.

- Monitor compliance with the FCRA during their reinvestigation.

- Provide me with a written summary of the outcome.

The continued presence of these inaccuracies is harming my credit standing, financial stability, and personal reputation. I appreciate your attention to this matter and look forward to a swift and fair resolution. 

Sincerely, XXXX 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