Consumer complaint received 2024-11-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject XXXX Dispute of Inaccurate Account Information** **Report Number : XXXX Dear Experian, XXXX, XXXX, XXXX I am writing to formally dispute the information regarding a collection account listed on my credit report generated on XX/XX/XXXX. The account details I am disputing are as follows : - **Account Name** : XXXX  - **Account Number** : XXXX - **Date Opened** : XX/XX/XXXX - **Reported Status** : Collection account - **Amount Past XXXX : {$XXXX} as of XX/XX/XXXX I have several concerns regarding the accuracy of the information reported in relation to this account, which I believe could negatively impact my creditworthiness. 

# # # XXXX. XXXX XXXX Information** The report states that the account has a past due amount of {$XXXX}, while also indicating a balance of {$XXXX}. This discrepancy raises questions about the accuracy of the data being reported. If the account shows a past due amount, it should not also reflect a balance of XXXX. I would appreciate a detailed explanation regarding this inconsistency, as it is critical for me to understand how this account is being reported. 

# # # XXXX. **Lack of Agreement** I would like to clarify that I have never entered into any agreement, verbal or contractual, with XXXX  regarding the account number XXXX. I do not have any knowledge of this company or its claims against me. Under the Fair Credit Reporting Act ( FCRA ), it is illegal to furnish inaccurate information or to slander my creditworthiness without proper cause. 

I request that XXXX  show a contract bearing my name and signature in agreement to repaying {$XXXX} for money that XXXX  loaned me. If they can not provide such documentationsuch as a promissory note, security agreement, or any valid contractthen I ask that you remove this account from my credit report entirely. 

# # # XXXX. **Cease and Desist** Furthermore, I demand that XXXX cease and desist all collection activities related to this account. I will not tolerate any slander of my creditworthiness or the use of distasteful collection tactics. If they continue to report unverified information, I expect it to be removed from my credit report and to follow the proper legal channels regarding debt collection. 

# # # XXXX. **Request for Documentation** In accordance with the Fair Credit Reporting Act, I formally request that you provide me with all documentation related to this account. This should include any correspondence, agreements, and verification of the debt. I believe that this documentation will clarify the inconsistencies and support my position regarding the inaccuracies on my credit report. 

# # # Conclusion I appreciate your attention to this matter and look forward to your prompt response. Please inform me of the outcomes of your investigation within the XXXX period mandated by the FCRA. I expect to receive confirmation that this account has been investigated and corrected or removed based on your findings. 

Thank you for your assistance. 

Sincerely,

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