Consumer complaint received 2025-07-12 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:
# FORMAL DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX  RE : FORMAL DISPUTE - DEMAND FOR PERMANENT DELETION * * * * Consumer : [ Your Full Name ] * * * * Date of Birth : [ Your XXXX XXXX XXXX XXXX XXXX XXXX  Social Security Number : XXXX [ Last 4 digits ] XXXX XXXX XXXX XXXX XXXX # # DISPUTE REGARDING UNLICENSED COLLECTION ACCOUNTS I am writing to formally dispute the following collection accounts appearing on my Experian credit report and DEMAND their immediate and permanent deletion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} # # LEGAL BASIS FOR DELETION DEMAND # # # Fair Credit Reporting Act ( FCRA ) Violations Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of consumer credit information. The inclusion of these accounts violates this requirement for the following reasons : - Both collection companies are * * NOT LICENSED * * with the Nationwide Multistate Licensing System ( NMLS ) - Unlicensed debt collectors lack legal authority to collect debts in many jurisdictions - Reporting activities by unlicensed entities constitutes inaccurate and unverifiable information # # # Fair Debt Collection Practices Act ( FDCPA ) Violations Under 15 U.S.C. 1692 et seq., these accounts represent violations of federal law : - * * 15 U.S.C. 1692c ( c ) * * - Unlicensed debt collectors lack authority to cease communication requirements and proper validation procedures- * * 15 U.S.C. 1692e * * - Operating without proper licensing is a false, deceptive, or misleading representation- * * 15 U.S.C. 1692f * * - Unlicensed collection activities constitute unfair practices- * * 15 U.S.C. 1692g * * - Debt validation requirements can not be properly fulfilled by unlicensed entities lacking legal authority to collect - * * 15 U.S.C. 1692 * * - Debt collection by unlicensed entities violates the fundamental purpose of the FDCPA # # # Additional Federal Law Violations- * * Regulation F ( 12 CFR Part 1006 ) XXXX XXXX XXXX  CFPB regulations require debt collectors to comply with licensing requirements and proper validation procedures before reporting to credit bureaus - * * 31 U.S.C. 5118 * * - Legal tender laws require proper authorization for debt collection activities, which unlicensed entities lack # # # Licensing Verification I have verified through the NMLS Consumer Access portal that : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  does not hold valid NMLS licensing - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  does not hold valid NMLS licensing # # FORMAL DEMANDS Pursuant to my rights under the FCRA, FDCPA, Regulation F, and 31 U.S.C. 5118, I hereby DEMAND that you : 1. * * IMMEDIATELY INVESTIGATE * * these disputed accounts within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ) 1. * * PERMANENTLY DELETE * * both collection accounts from my credit report due to : - Lack of proper licensing by the collection agencies- Inability to verify the accuracy of accounts from unlicensed entities - FCRA violations regarding maximum possible accuracy requirements- FDCPA violations under 15 U.S.C. 1692c ( c ) and 1692g regarding proper validation procedures - Regulation F compliance failures by unlicensed debt collectors - Violations of 31 U.S.C. 5118 regarding legal authority for debt collection activities 1. * * PROVIDE WRITTEN CONFIRMATION * * of the permanent deletion of these accounts 1. * * NOTIFY ALL PARTIES * * who have received my credit report within the past 6 months ( 2 years for employment purposes ) of the deletion pursuant to 15 U.S.C. 1681i ( d ) # # ADDITIONAL NOTICE Please be advised that : - I will not accept verification from unlicensed collection agencies- Any continued reporting of these accounts may subject you to liability under 15 U.S.C. 1681n and 1681o- This letter serves as notice of potential FCRA, FDCPA, Regulation F, and 31 U.S.C. 5118 violations - I am prepared to pursue all available legal remedies if these accounts are not permanently deleted XXXX XXXX RESPONSE REQUIRED I expect your written response within 30 days of receipt of this letter, confirming the permanent deletion of the disputed accounts. Failure to properly investigate and delete these accounts will be considered a willful violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX 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