Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Accounts Dear Credit Reporting Department, I am writing to dispute the accuracy of the following account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I request that the credit reporting agencies conduct a thorough and reasonable investigation and provide me with detailed results regarding the disputed items. 

Furthermore, I was a victim of the Equifax data breach, which exposed my personal information to unauthorized individuals. Due to this breach, I have been subjected to fraudulent activity and accounts that I did not authorize. Under 15 U.S.C. 1681c-2 ( a ), I formally request that the credit reporting agencies block and permanently delete these fraudulent accounts from my credit file. 

Additionally, in light of the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Equifax on XX/XX/XXXX, in which Equifax was fined {$15.00} XXXX for failing to adequately investigate consumer disputes and allowing previously corrected errors to reappear on credit reports, I insist that the credit reporting agencies not accept findings from any furnisher that fails to provide comprehensive and verifiable documentation supporting the accuracy of the reported information. I also request that the credit reporting agencies send me the specifics of its investigation, including any furnishers response, via mail or email. 

This request is also based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off from XXXX, listed on my XXXX credit report. Following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/XXXX. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

XXXX XXXX XXXX ( Installment ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$14000.00} Legal Basis for My Requests : Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency must block and delete fraudulent information from a consumers file upon request when identity theft is involved.

Under 15 U.S.C. 1692g ( FDCPA ), I have the right to request validation of debts. If a collection account can not be fully validated with legally sufficient documentation from the original creditor, it must be removed.

Under 15 U.S.C. 1681e ( b ) ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy in consumer reports.

I request that the credit reporting agency complete this investigation within the 30-day timeframe mandated by the FCRA and provide me with a written response detailing the outcome of the investigation. If any of these accounts can not be verified as 100 % accurate, I expect them to be removed from my credit file immediately. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of these corrections soon. 

Sincerely, XXXX XXXX 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