Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX XXXX XXXX Experian Consumer Solutions XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy of information appearing on my credit report. Despite multiple attempts to resolve these issues, there remain inaccuracies that negatively impact my creditworthiness. 

Recent developments, including the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian for misleading practices, reinforce my concerns about your failure to maintain accurate reporting. Specifically, the CFPB cited instances of Experian providing inaccurate credit information, which aligns with my own experiences.

The items I dispute are as follows : 1. XXXX - XXXX Last updated XX/XX/XXXX Balance {$2900.00} Account Details Account Type Last Account Activity Open Since Ownership Current Balance Monthly Payment Original Creditor DEROGATORY Collection Account XX/XX/XXXX XX/XX/XXXX Individual {$2900.00} XXXX  Discrepancy : [ Explain the errore.g., The account is marked as delinquent, has been on my account for years wrong payment history ] 2. XXXX - XXXX Last updated XX/XX/XXXX Balance {$2900.00} XXXX XXXX XXXX  XXXX Last updated XX/XX/XXXXXXXX  Balance {$1700.00} Account Details Account Type Last Account Activity Open Since Ownership Current Balance Monthly Payment Original Creditor DEROGATORY Collection Account XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  Individual {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Discrepancy : This was not my account XXXX  - XXXX Last updated XX/XX/XXXXXXXX  Balance {$26000.00} Account Details Account Type Credit Type Open Since Ownership Current Balance Highest Balance Remaining Term Monthly Payment OPEN Auto Loan Installment XX/XX/XXXXXXXX  Joint {$26000.00} {$27000.00} 48 months Loan Progress You've paid off {$370.00} of your Auto Loan. 
I never opened this loan Contact Information Lender Name Address Phone Number DEPT OF EDXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX DPT ED/XXXX - XXXX Last updated XX/XX/XXXXXXXX  Balance {$3100.00} DPT EDXXXX - XXXX Last updated XX/XX/XXXXXXXX  Balance {$1400.00} my student loans are over 20 years ago XXXX XXXX - XXXX Last updated XX/XX/XXXXXXXX  Balance {$550.00} This isnt mines. 

XXXX  - XXXX Last updated XX/XX/XXXXXXXX  Balance {$100.00} Do know what unaware of this account Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a timely investigation of my dispute, correct any inaccuracies, and notify me of the results. Please provide written confirmation of the steps taken to investigate and resolve these issues. 

If the inaccuracies are not corrected within 30 days, I will escalate the matter with the CFPB and consider pursuing legal remedies. I trust you understand the gravity of failing to comply with federal laws governing credit reporting accuracy. 

Enclosed, I have included the following documents to assist with your investigation : A copy of my credit report with the disputed items highlighted [ Supporting documents, such as payment records, account statements, etc. ] I will send proof of my ID if necessary I look forward to your prompt response. You may reach me at [ XXXX ] or XXXX if further information is required. 

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