Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Cease and Desist Immediate Removal of Inaccurate and Unverifiable Account Information ; Request for Verifiable Ownership and Validation Consumer : XXXX XXXX XXXX XXXX Current Address on file : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject : Disputed accounts ceasing reporting of unverified items and request for verifiable ownership and validation ; removal if unverified To Whom It May Concern : I am writing to formally dispute and promptly remove certain accounts that TransUnion currently lists on my credit file. Im sending this under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires you to follow procedures that ensure accuracy and to verify information reported to consumers. Im also invoking related duties under 15 U.S.C. 1681s-2 and other applicable provisions. Specifically, I reference : 15 U.S.C. 1681 ( a ) ( 5 ) ( the obligation to report accurate information and maintain the integrity of consumer reports ).

15 U.S.C. 1681e ( reasonable procedures to ensure maximum possible accuracy ).

15 U.S.C. 1692e ( prohibiting false or misleading representations by debt collectors reporting to CRAs ).

15 U.S.C. 1692g ( validation of debts and the consumers right to verification ). 

Background and dispute summary : The following accounts were previously disputed with the CFPB, the Better Business Bureau ( BBB ), the Office of the Comptroller of the Currency ( OCC ), the Federal Deposit Insurance Corporation ( FDIC ), and the furnisher ( the original creditors or XXXX ). The accounts and their statuses are below : XXXX ) XXXX XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXX Key assertion : These accounts have not been verified and, in fact, there is no verifiable ownership, no locateable account under the named entities, and no verifiable dates. Under the FCRA, these items must be removed from my credit profile immediately. 
These disputes have already been raised with the CFPB, BBB, OCC, FDIC, and the furnisher. There is no need to re-dispute through another channel unless new information comes to light. I am attaching the responses youve received from those entities and will also upload them to the official dispute portal as applicable. 

Important : Why immediate removal is essential I have supporting documentation showing there is no verifiable ownership and that the reporting is inaccurate. Keeping these items on my report harms my creditworthiness, increases the cost of credit, and causes unnecessary distress and financial strain. 
Delays in correcting these inaccuracies can lead to higher interest rates, denial of credit, and potential discriminatory outcomes if inaccurate information influences credit decisions. 
Acting promptly to remove these items aligns with the FCRAs purpose to promote accuracy and fairness in consumer reporting and reduces the risk of ongoing erroneous reporting. 

Proposed consequences if inaccuracies persist ( for awareness and to emphasize the need for prompt action ) If these items remain unverified or unremoved, I reserve my rights to pursue remedies under the FCRA, including : Filing complaints with the CFPB and state regulators. 
Potential litigation for willful or negligent FCRA violations and, where applicable, FDCPA violations. 
Seeking statutory and actual damages, and attorneys fees where permitted. 
Requesting corrective action from all three major credit bureaus to ensure consistent reporting across TransUnion, Experian, and Equifax. 
Seeking injunctive relief to require the furnisher to stop reporting unverified or inaccurate data and to implement robust verification procedures. 

In addition, continuing to report unverified information can lead to : Denied credit or worse terms, higher interest rates, and greater financial stress. 
Emotional distress and impaired access to credit when its most needed. 
Long-term damage to credit scores that isnt quickly remedied until removal occurs. 

Requested actions : 1 ) Immediately delete/remove the following disputed accounts from my XXXX credit file unless and until verifiable ownership and accurate, complete information can be provided by the furnishers : XXXX XXXX XXXX Account XXXX XXXX * and Account # XXXX * XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX ) If any item can be verified, provide strict evidence of ownership, date of the account, and the current status ( whether charged-off, delinquent, or in collections ) in line with the FCRA and related regulations. 
3 ) If an item can not be verified or located, supply a written explanation and remove the item per FCRA 1681i ( a ) ( 1 ) and any applicable state rules.

4 ) Provide me with a copy of the updated credit report reflecting these removals and the results of your investigation, per FCRA 1681i ( a ) ( 6 ) and 1681g. 
5 ) Notify the furnisher and the Consumer Relationship File of the results, including the steps you took to verify accuracy ( per FCRA 1681i ( a ) ( 3 ) and 1681i ( a ) ( 4 ) ).

6 ) Ensure consistency across all three major credit bureaus ; once removal is confirmed, notify Experian and Equifax and provide updated reports showing the same status. 

Supporting context and law references : FCRA, 15 U.S.C. 1681 et seq., including : 1681a ( definitions ) and 1681e ( accuracy and integrity of information ) 1681i ( dispute procedures ) 1681s-2 ( furnisher duties to report accurate information and to investigate disputes ) 1681a ( 5 ) ( definitions of consumer report and permissible purpose ) 1681g ( access to consumer reports ) FDCPA ( 15 U.S.C. 1692e, 1692g ) to the extent third-party collectors report and validate debts and to prevent misleading or deceptive communications. 
ECOA and Regulation B ( non-discrimination in credit decisions based on accurate information ) Applicable state and federal privacy/regulation considerations ( including CPRA, VCDPA, GDPR cross-contexts where applicable ) Documentation included with this dispute : Copies of prior dispute communications and responses from CFPB, BBB, OCC, FDIC, and the furnisher.

Evidence showing inability to locate ownership or verify the accounts.

Correspondence or portal screenshots related to the dispute process.

Notice of next steps : Please complete your investigation and respond in writing with results within 30 days as required by FCRA 1681i ( a ) ( 1 ). If you need more time, provide a clear justification and an expected completion date ( extensions to 45 days are permissible with additional information ). 
If any item is removed, please notify all three major credit bureaus to ensure consistent reporting and provide updated reports reflecting the change. 
Please confirm in writing that you have completed the deletion from my credit file and have updated all records accordingly. 

Respectfully, XXXX XXXX XXXX XXXX Current address : XXXX XXXX XXXX XXXX, XXXX, TX 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