Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Deletion of Inaccurate Debt Pursuant to FCRA and CFPB Allegations Dear Experian Dispute Department, I am writing to formally dispute the accuracy of the following account ( s ) on my consumer credit report. The information reported is inaccurate, and under my rights established in the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ), I demand the immediate deletion of this erroneous information.

Inaccurate Personal Information : Please remove the following inaccuracies from my credit report.

1. Name Alias : XXXX XXXX XXXX. Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Incorrect Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Incorrect Employer : XXXX XXXX XXXX. Incorrect Employer : XXXX XXXX XXXX Accounts : XXXX. XXXX XXXX  ( Account Number XXXX ) This account does not belong to me I have never had an XXXX Secure credit card. I have sent dispute letters to experian and to discover bank and neither company has been able to validate the debt. Please Remove this inaccuracy from my report. 
XXXX. XXXX XXXX XXXX XXXX ( Account Number XXXX ) This is an inaccurate account. The account shows as closed and needs to be deleted from my report. I have sent dispute letters to experian and to XXXX XXXX XXXX XXXX and neither company has been able to validate the debt. Please remove this inaccuracy from my report. 
XXXX. XXXX XXXX ( Account XXXX XXXX ) This is an inaccurate account. The account shows as closed and needs to be deleted from my report. I have sent dispute letters to experian and to XXXX XXXX and neither company has been able to validate the debt. Please remove this inaccuracy from my report XXXX. XXXX XXXX XXXX ( Account XXXX XXXX ) This is an inaccurate account. The account shows as closed/charged off and the debt has been listed as sold and needs to be deleted from my report. This account was sold to XXXX XXXX XXXX and was recently deleted from my credit report for inaccurate data and failure to validate the debt. I have sent dispute letters to experian and to XXXX XXXX XXXX and neither company has been able to validate the debt. Please remove this inaccuracy from my report. 
XXXX. XXXX ( Account Number XXXX XXXXXXXX ) This is an inaccurate account. The account shows as closed and needs to be deleted from my report. I have sent dispute letters to experian and to XXXX and neither company has been able to validate the debt. Please remove this inaccuracy from my report XXXX. XXXX XXXX XXXX XXXX ( Account Number XXXX ) This is an inaccurate account. The account shows as charged off but is still reporting a balace of {$1900.00} and needs to be deleted from my report. I have sent dispute letters to experian and to XXXX XXXX XXXX XXXX and neither company has been able to validate the debt. Please remove this inaccuracy from my report. 
XXXX. XXXX XXXX XXXX  ( Account Number XXXX ) This is an inaccurate account. The account shows as closed and needs to be deleted from my report. I have sent dispute letters to experian and to XXXX Property MA and XXXX company has been able to validate the debt. Please remove this inaccuracy from my report XXXX. XXXXXXXX XXXX XXXX ( Account Number XXXX ) This is an inaccurate account. The account shows as closed and needs to be deleted from my report. I have sent dispute letters to experian and to XXXX XXXX XXXX  and XXXX company has been able to validate the debt. Please remove this inaccuracy from my report XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX ) XXXX ) This is an inaccurate account. The account shows as a collection and needs to be deleted from my report. This agency failed to provide a debt contract request. I did not give this company authorization to access my personal information such as my name dob or ssn. Neither have I authorize this company to collect any funds on my behalf on furnish any data to my credit report. I have sent dispute letters to experian and to XXXX XXXX XXXX and neither company has been able to validate the debt. Please remove this inaccuracy from my report. 
XXXX. XXXX XXXX XXXX ( Account XXXX XXXX ) This is an inaccurate account. The account shows as a collection and needs to be deleted from my report. This agency failed to provide a debt contract request. I did not give this company authorization to access my personal information such as my name dob or ssn. Neither have I authorize this company to collect any funds on my behalf on furnish any data to my credit report. I have sent dispute letters to experian and to XXXX XXXX XXXX and neither company has been able to validate the debt. Please remove this inaccuracy from my report XXXX. XXXX XXXX XXXX ( Account XXXX XXXX ) This is an inaccurate account. The account shows as a collection and needs to be deleted from my report. This agency failed to provide a debt contract request. I did not give this company authorization to access my personal information such as my name dob or ssn. Neither have I authorize this company to collect any funds on my behalf on furnish any data to my credit report. I have sent dispute letters to experian and to XXXX XXXX XXXX and neither company has been able to validate the debt. Please remove this inaccuracy from my report. 

As outlined in 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. However, according to a recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, it has been established that Experian routinely fails to conduct proper investigations, improperly XXXX previously deleted inaccuracies, and provides misleading dispute results to consumers. The CFPBs allegations include the following : Sham investigations Experian does not accurately convey relevant dispute information to furnishers and improperly defers to furnishers responses, even when those responses are illogical or contradicted by other available data. 
Failure to notify consumers of proper investigation results Experian sends dispute notices that are ambiguous, incorrect, or inconsistent, violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires credit bureaus to clearly disclose the results of a reinvestigation.

Reinsertion of previously deleted inaccurate information Experian violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) by failing to use appropriate matching tools, which results in the reappearance of inaccurate information under different furnisher names without notifying the consumer.

Given these CFPB findings and Experians failure to comply with FCRA dispute-handling requirements, I demand that you immediately delete the inaccurate debt from my credit file and provide written confirmation of its removal within 30 days of receipt of this letter.

Should Experian fail to comply with federal law and my request for deletion, I am prepared to escalate this matter by filing a formal complaint with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Enclosed are copies of supporting documents substantiating my dispute. Please send all correspondence regarding this matter to the address listed above. 

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