Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Regarding Credit Reporting Issues with XXXX, XXXX, and Experian To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit reports as provided by XXXX, XXXX, and Experian. These inaccuracies are severely impacting my credit score and financial standing, and I am seeking immediate corrective action in accordance with my rights under both federal and Ohio law.

Issues with Reporting 1. Failure to Make Contact : Neither the credit reporting agencies nor the collection agency associated with the disputed accounts have made any effort to contact me directly regarding these matters. This violates the Fair Credit Reporting Act ( FCRA ), which requires reasonable steps to ensure accurate and complete reporting, as well as communication with consumers.

2. Multiple Names for the Collection Agency : My official credit report lists the collection agency under multiple names, causing confusion and further inaccuracies. Under the Ohio Consumer Sales Practices Act ( OCSPA ) and the FCRA, I am entitled to accurate and transparent information. The lack of clarity violates my rights to a fair and honest credit report.

3. Lack of Response to Disputes : Despite repeated efforts to contact XXXX, XXXX, and Experian to address these inaccuracies, no changes have been made to my report. This failure to investigate and correct errors within the required 30-day timeframe is a direct violation of Section 611 of the FCRA.

Impact of False Reporting The ongoing presence of false and inaccurate statements on my credit report has caused significant damage to my credit score, limiting my ability to secure financial opportunities. As a citizen of Ohio and under federal law, I am guaranteed the right to an accurate, fair, and honest credit report. 

Requested Resolution I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel XXXX, XXXX, and Experian to : XXXX. XXXX a thorough investigation of the inaccuracies in my credit reports. 
XXXX. Correct or remove the false and inaccurate information immediately. 
XXXX. Provide written confirmation of the completed investigation and any changes made to my credit reports. 

I have attached a copy of my credit report highlighting the inaccuracies for your reference, as well as documentation of my attempts to resolve this issue directly with the credit reporting agencies. 

If you have any questions or require additional information, I can be reached at the contact information provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Let me know if youd like to make any adjustments or add further details.

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