Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
Date : XX/XX/year> Subject : Formal Dispute of Unverified Debt Reported by XXXX XXXX XXXX Request for Deletion Under FCRA and FDCPA To Whom It May Concern, I am submitting this formal dispute concerning inaccurate and unverified information currently being reported by XXXX XXXX XXXX to the credit bureaus. The details of the disputed account are as follows : Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Balance : {$320.00} I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ) and the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ) to demand an immediate investigation and removal of this account from my credit reports. 

Legal Grounds for Dispute Violation of 15 U.S. CXXXXe XXXXi Failure to Reinvestigate Disputed Information Under the FCRA XXXX ( 15 U.S.C. XXXXi ), a consumer reporting agency is required to conduct a reasonable reinvestigation of any item disputed by a consumer within XXXX days of receiving notice of the dispute. If the furnisher ( XXXX XXXX XXXX ) can not verify the account, it must be deleted. 

Violation of 15 U.S. CXXXXe XXXX ( b ) Failure to Ensure Maximum Possible Accuracy The FCRA XXXX ( b ) ( 15 U.S.C. XXXX ( b ) ) mandates that credit bureaus and furnishers of information must ensure the maximum possible accuracy of the data they report. This debt is unverified and potentially erroneous, and its continued reporting constitutes negligence or willful noncompliance. 

Violation of 15 U.S. CXXXXe XXXX Duty of Furnishers to Investigate and Correct Under FCRA XXXX ( 15 U.S.C. XXXX ), XXXX XXXX XXXX XXXX as a furnisher, must promptly investigate disputes forwarded to them by credit bureaus and correct or delete any inaccurate or unverifiable information. If this debt can not be fully verifiedincluding the original contract and full chain of ownershipit must be removed. 

Violation of FDCPA XXXX ( b ) Failure to Provide Debt Validation According to the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ( b ) ), if a consumer disputes a debt in writing within XXXX days, the debt collector must cease collection efforts until validation of the debt is provided. To date, I have not received : A copy of the original signed agreement with XXXX XXXX XXXX Documentation showing assignment or transfer of ownership to XXXX XXXX XXXX A full itemized billing history validating the amount claimed Without these, continued collection and reporting activity is unlawful. 

Requested Actions Pursuant to my rights under federal law, I demand : Immediate deletion of this account from my credit file with Experian, XXXX and XXXX ; A full copy of all documentation used to validate this alleged debt ; Cessation of all collection efforts until full validation is delivered ; Written confirmation of the results of the reinvestigation. 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