Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
XX/XX/XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & Debt Validation Request XXXX XXXX XXXX XXXX ( {$610.00} ) Dear Experian, Equifax, and TransUnion Dispute Departments, I am writing to formally dispute the collection account reported on my credit file by XXXX XXXX XXXX XXXX in the amount of {$610.00}. I have reason to believe this account is either inaccurate, unverified, or not legally authorized to be reported, and I am demanding its immediate and permanent deletion from my credit reports under applicable consumer protection laws. 

Applicable Consumer Protection Laws Violated : 15 U.S.C. 1692c ( c ) Cease communication : Once a dispute is issued, the collector must cease all collection and reporting unless proper validation is provided.
31 U.S.C. 5118 Prohibits enforcement and reporting of debts that lack lawful origination or contract.

12 CFR 1026.13 + 15 U.S.C. 1666b Mandates that billing errors and disputes must be promptly addressed, and that creditors apply payments timely and fairly.

15 U.S.C. 1692g Requires written validation of any alleged debt, including details about the original creditor and proof of collection rights. 

Debt Validation Request : In accordance with my rights, I am requesting that you immediately obtain and provide the following documentation from XXXX XXXX XXXX XXXX  or any debt collector acting on its behalf : 1. A signed original contract or agreement bearing my name and signature.

2. A full and complete itemized statement of the alleged debt, including interest, fees, and payments.

3. A copy of the assignment contract showing legal transfer from the original creditor to the current collector.

4. A Forward Flow Agreement proving the current collector has the legal right to report and collect this debt.

5. Proof that the collector is operating in full compliance with Regulation F under the FDCPA. 

Formal Requests : 1. Permanently delete the XXXX XXXX XXXX XXXX ( {$610.00} ) collection account from all three of my credit reports. 

2. Block this account from any future reinsertion unless it is fully validated per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. Provide me with written confirmation of your reinvestigation results and any actions taken to correct or remove this account. 

Failure to comply with federal law may result in the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal counsel for violations under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Thank you for your prompt attention to this matter. I expect a resolution within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 

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