Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
FCRA 15 U.S.C. 1681c-2 Dispute Letter ( Template ) Your Full Name : XXXX XXXX XXXXCurrent Address : XXXX XXXX XXXX XXXX XXXX, FL XXXXDate of Birth : XXXX ( last four ) : XXXX : [ XX/XX/XXXX ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX or submit online : XXXX XXXX XXXXwww.consumerfinance.gov/complaint/ Subject : Request to Block and Investigate Inaccurate Information under FCRA 15 U.S.C. 1681c-2 To Whom It May Concern, I am formally submitting this complaint under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) to request that the following inaccurate and unverifiable items be investigated and blocked from my credit report. 
I obtained a copy of my TransUnion credit report dated XX/XX/XXXX, which contains erroneous or misleading information that does not accurately reflect my credit history. 

Disputed Accounts XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) * Status shows : Paid, Closed ; was 60 days past due. 
* This account was fully paid and closed on XX/XX/XXXX, yet TransUnion continues to display a derogatory status. 
* Dispute Reason : The delinquency is inaccurate and should be removed. Under 1681c-2, this unverifiable adverse data must be blocked. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) * Status : Collection account with {$260.00} balance, but {$0.00} past due. 
* Dispute Reason : Reporting inconsistency it is illogical to report an open collection with no past-due amount. I request verification of this debt or removal if unverified. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL ( Account ending in XXXX ) * Status : Placed for collection ; disputed by consumer ( FCRA ). 
* Dispute Reason : This item was previously disputed and remains unverifiable. Under 1681c-2, this disputed item should now be blocked and removed if the furnisher can not substantiate the debt with original documentation.

Legal Basis Under 15 U.S.C. 1681c-2 ( FCRA Section 605C ), a consumer reporting agency must block the reporting of any information that the consumer identifies as resulting from inaccurate or unverifiable data within four business days of receiving : 1. The consumers written request, 2. Proof of identity, and 3. A statement of the basis for believing the information is inaccurate.

Because these items are inaccurate and unverifiable, I demand immediate blocking and deletion from my file and that TransUnion notify all furnishers and other CRAs as required by law.

Requested Action 1. Investigate and block each of the above-listed accounts.

2. Delete or correct any unverifiable or inaccurate information.

3. Provide written confirmation of your findings and actions within 30 days, as required by FCRA 611 and 605C.

I have enclosed a copy of my drivers license and utility bill to verify my identity and address.

Thank you for your prompt attention to this matter. Please respond to the address above in writing. 
Sincerely, XXXX XXXX XXXX ( Signature ) Date : XX/XX/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