Consumer complaint received 2025-04-15 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, DE, XXXX XX/XX/XXXX XXXX To : XXXX Re : Formal Dispute of Account Demand for Immediate Removal Creditor Name : XXXX XXXX XXXX Creditor : XXXX XXXXAccount Number XXXX Last XXXX ) : XXXX Date Opened : XXXX : {$720.00} To Whom It May Concern, I am writing to formally dispute the accuracy and reporting of the above-referenced account appearing on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I request immediate removal of this account for the following reasons : Factual Inaccuracies Identified : 1. Date Inconsistencies Last Activity Dates Conflict : One shows XX/XX/XXXX Others show XX/XX/XXXX and XX/XX/XXXX conflicting data for the same account is a violation under FCRA 609 ( a ) ( 1 ) 2. Status Conflicts One reports account as Open, while another version says Closed it cant be both.

This contradicts FCRA 607 ( b ) data must be complete and accurate.

3. Account Comments Conflict One says : Placed For Collection Another : Collection Account Another : Account Seriously Past Due/assigned to attorney or collection agency These arent uniform, creating confusion and reputational damage, violating FCRA 602 ( A ) misleading or conflicting data should not be reported.

4. Payment History Contradiction One entry says Youve made 88 % of payments for this account on time That contradicts its Collection/Charge-Off status which implies default, not 88 % on-time payments. 

5. Creditor/Collector Reporting Same Account with Variations XXXX XXXX XXXX to report differently in each version, and XXXX XXXX is not clearly stated as having sold or retained the account violates FCRA 623 ( a ) ( 5 ) regarding proper identification of original creditor and account history. 

6. Duplicate Reporting It appears this account is reported more than once with slightly varied data. If it causes double scoring impact, it can be considered re-aging or duplicate reporting, which is unlawful under FCRA 605 ( a ) and FTC guidance.

Legal Demands : Pursuant to FCRA 611 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ), I am requesting the following documentation be provided within 30 days : Complete Method of Verification ( MOV ) as outlined in FCRA 611 ( a ) ( 7 ) A signed original contract showing I agreed to the alleged debt A full itemized breakdown of the alleged balance ( principal, interest, fees, etc. ) Proof of chain of custody from original creditor to collector Verification that the account was not illegally re-aged Documentation confirming that XXXX XXXX XXXX is authorized to report and collect this debt Failure to Comply : If you can not verify the above information with tangible documentation within 30 days, as legally required, you must delete this account from my credit file. Failure to do so will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney General, and XXXX XXXX XXXX XXXX XXXX XXXX Potential legal action against your agency for willful or negligent noncompliance under FCRA 616 & 617 and FDCPA 813 This letter serves as formal notification and is being sent via Certified Mail with return receipt requested for documentation.

Thank you for your time and cooperation. I expect this matter to be fully resolved within 30 days as required by law. If you can not verify this account with documented proof, you are required to delete it. 

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