Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
[ Date ] To : TransUnion LLC P.O. XXXX XXXX  XXXX, PA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute & Validation Request Unrecognized Collection Accounts Dear TransUnion and Experian Dispute Departments, I am writing to formally dispute the accuracy, validity, and legal reporting of the following collection accounts currently appearing on my credit reports : XXXX. XXXX XXXX XXXX XXXX {$550.00} XXXX. XXXX XXXX XXXX XXXX {$1600.00} XXXX. XXXX XXXX XXXX XXXX {$7300.00} I do not recognize these accounts as mine. I have never received lawful communication or validation from any of these debt collectors, and I suspect they may have been reported in error or could be tied to identity theft. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and demanding a full reinvestigation. These accounts must be permanently deleted unless they can be lawfully and properly validated.

Applicable Consumer Protection Laws : 15 U.S.C. 1692c ( c ) : Requires debt collectors to cease collection and reporting activity unless proper validation is provided after a written dispute.

15 U.S.C. 1692g : Debt collectors must provide written notice and full validation of any alleged debt upon request.

Regulation F ( 12 CFR Part 1006 ) : Requires itemized disclosures and strict compliance with all FDCPA mandates.

31 U.S.C. 5118 : Prohibits enforcement or reporting of any obligation lacking lawful origination, contract, or substantiation.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow procedures ensuring " maximum possible accuracy. '' 15 U.S.C. 1681i : Mandates timely reinvestigation and deletion of unverifiable or inaccurate accounts.

Debt Validation Request : Please obtain and forward the following for each of the above accounts : A signed agreement or contract bearing my name and signature that legally obligates me to the alleged debt. 
A complete, itemized breakdown of the balance claimed, including fees, interest, and the original amount. 
A copy of the assignment contract proving legal transfer of the account to the current collector.

A Forward Flow Agreement or other documentation demonstrating the collectors legal authority to report and collect this debt.

Requested Actions : Promptly conduct a reinvestigation of all three accounts listed above.

Permanently delete each account if the debt can not be lawfully verified using the original documentation.

Block any future reinsertion of these accounts unless fully validated under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide written confirmation of the outcome of your reinvestigation and clearly detail any updates made to my credit report.

If these accounts are not resolved within the XXXX window established by federal law, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I also reserve the right to seek legal remedies under 15 U.S.C. 1681n and 1681o for any willful or negligent noncompliance. 

Thank you for your immediate attention. I expect a full and lawful resolution without further delay. 

Sincerely, 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