Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
I have disputed with this company since XXXX of XXXX I have sent in several letters to them as well as several letters to the CFPB SENT OVER Multiple documentation BUT today I am sending over information to show that the Collection agencies companies that are listed in this information below have removed their collection from my report and put it back on there they are reporting their name different on each credit bureau XXXX XXXX and Experian one company by the name online services removed their collection and then turned around and put it back on my credit report the same day with a different name and all the information is the same with the same name just change one letter in their name another company have removed their two collections from my experience report in XXXX that would be XXXX XXXX and have not removed it from my XXXX or my XXXX report To Whom It May Concern, Subject : Formal Dispute of Inaccurate Information on Credit Report I am writing to formally dispute inaccuracies on my credit report as provided by Experian, XXXX, and XXXX. The following accounts contain incorrect information, which I request be investigated and corrected or removed immediately, in compliance with the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute XXXX XXXX XXXX XXXX Account Number : XXXX This account is marked under dispute, yet remains inaccurate. The reported balance, status, and account details do not match my records. Please verify and provide evidence supporting its accuracy or delete the account. 
XXXX XXXX XXXX Account Number : XXXX This account was updated following an FCRA dispute, but inaccuracies persist in the balance and account status. Kindly reinvestigate and provide documentation to verify its legitimacy. 
FXXXX XXXX XXXX Account Number : XXXX & XXXX Discrepancies exist across all three credit reports. Additionally, the names and details appear inconsistent, and the account history is erroneous. Please confirm the validity of this account or remove it entirely. 
XXXX XXXX XXXX Account XXXX : XXXX This account shows conflicting details across reports and has been inaccurately updated multiple times. Kindly verify the information and provide supporting documentation, or remove it from my credit file. 
XXXX XXXX XXXX Account Numbers : Two accounts with balances of {$300.00} and {$980.00} respectively. 
These accounts were removed from my Experian report on XX/XX/XXXX, but remain incorrectly reported on XXXX and XXXX. Please ensure consistency across all agencies and delete these accounts immediately if deemed unverifiable. 
Supporting Information I have included copies of my credit reports highlighting the discrepancies, as well as any relevant documentation I have regarding these accounts. 

Request In accordance with the FCRA, I request the following : A detailed investigation into the above accounts. 
A full correction or deletion of any unverifiable or inaccurate information. 

Dear [ Credit Bureau Name ], I felt the need to write to dispute letters this time just in case you don't understand what I'm saying I am writing to formally dispute inaccurate information on my credit report, which violates the Fair Credit Reporting Act ( FCRA ) and related laws, including but not limited to 15 U.S.C. 1681, 1681a ( i ), 1681c, 1681g, and 1692g.

The accounts listed below contain inaccurate, incomplete, or unverifiable information. Under Section 609 and Section 605 of the FCRA, I request a full investigation of these accounts and demand their removal if their accuracy can not be verified. 

Disputed Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Discrepancy : Inaccurate collection status. 
Status : Currently under dispute ; update required. 
XXXX XXXX XXXX Account Number : XXXX Discrepancy : Inaccurate reporting of collection activity. 
XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Discrepancy : Names are inconsistent across bureaus, and account activity reporting is inaccurate. 
OXXXX XXXX XXXX Account Number : XXXX Discrepancy : Disputed collection balance ; verify creditor 's location claim. 
XXXX XXXX XXXX Account Numbers : ( 1 ) {$300.00} balance reported as open; ( 2 ) {$980.00} balance removed from Experian but still on XXXX and XXXX. 
These discrepancies violate federal law, including your obligations under Section 611 of the FCRA to ensure accuracy and completeness of consumer credit information. Furthermore, per Section 609, I am requesting a detailed disclosure of all evidence used in verifying these accounts.

Additionally, the repeated reappearance of removed accounts and differing creditor names across reports violates the FCRA 's accuracy standards. Per 15 U.S.C. 1681e ( b ), I demand immediate correction or deletion of these inaccuracies. 

Supporting Documentation : I have enclosed documentation for your review, including : Copies of my credit reports from Experian, XXXX, and XXXX. 
Documentation of prior disputes and outcomes. 
Correspondence regarding the disputed accounts. 
Required Actions : Investigate each account listed above for accuracy and completeness. 
Provide me with evidence of your verification process for all disputed items. 
Remove any unverifiable or inaccurate accounts immediately. 
Failure to address these inaccuracies promptly will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. 

Please confirm receipt of this dispute and provide a written response detailing your findings within 15 days, as required by law. to you Telling me that the debt happened verified Heres a draft of a legal demand letter for filing a claim against the credit bureau and holding them accountable for violations under the Fair Credit Reporting Act ( FCRA ) : [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, IL XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX : Legal Demand for FCRA Compliance and Immediate Action to Remedy Violations Dear [ Credit Bureau Name ] , This letter serves as a formal demand to rectify ongoing violations of the Fair Credit Reporting Act ( FCRA ), including, but not limited to, 15 U.S.C. 1681e ( b ), 1681i, and 1681g. Your repeated mishandling of my credit report disputes and failure to provide proper verification of accounts have caused significant harm to my creditworthiness and peace of mind. 

Violations and Claims : Account Misreporting and Reappearance of Removed Accounts The account under " Online Information Services '' was initially removed from my credit report, yet it reappeared under " Online Services XXXX '' This is an unlawful act of reinserting disputed information without proper notification as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Failure to Provide Documentation Supporting Account Verification Despite repeated disputes regarding accounts that do not belong to me, you have claimed that the information has been verified. However, you have failed to provide me with the required documentation or evidence of verification under 15 U.S.C. 1681g ( a ). This lack of transparency violates my rights under the FCRA.

Reporting Inaccurate Information Your failure to maintain reasonable procedures to ensure the maximum possible accuracy of the information in my credit file violates 15 U.S.C. 1681e ( b ). The misrepresentation of creditor names ( e.g., " XXXX XXXX XXXX '' versus " XXXX XXXX XXXX '' ) and the persistence of disputed, inaccurate accounts have caused undue harm to my financial reputation. 

Emotional and Financial Damages Your noncompliance has resulted in emotional distress, anxiety, and harm to my credit score, which has affected my ability to obtain credit under favorable terms. 

Demands : To resolve this matter and avoid further legal action, I demand the following : Immediate Removal of Inaccurate Information : Remove all disputed and unverifiable accounts from my credit report, including but not limited to : Online Information Services/ Online Services G All other accounts I have previously disputed. 
Verification Evidence : Provide detailed documentation for each disputed account, demonstrating the process and evidence used to verify the information as accurate. 

Confirmation of Compliance : Provide written confirmation that the above corrective actions have been completed within 15 days of receiving this letter. 

Compensation for Damages : Negotiate an appropriate settlement to compensate for the emotional and financial harm caused by your violations of the FCRA.

Notice of Intent to Sue : If you fail to address this matter to my satisfaction within 30 days, I will proceed with filing a lawsuit against your agency for willful and negligent violations of the FCRA. I will seek statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorneys fees as provided under 15 U.S.C. 1681n and 1681o.

You may consider this letter as a final opportunity to resolve this matter amicably. If I do not receive a satisfactory response, I will pursue legal remedies through the appropriate court of law and file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Sincerely, [ XXXX XXXX XXXX ] Attachments : Documentation of disputes and responses

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