Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/XXXX Primary : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Previous : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX Date : XX/XX/XXXX RE : URGENT Dispute of Debt Ownership and Formal Request for Validation Between XXXX  and XXXX  - XXXX XXXX ACTT # : XXXX - XXXX  ESCALATED CASE # : XXXX Hello, I am urgently writing to file a formal dispute and validation request for a debt that has been incorrectly attributed to me and is currently in dispute between XXXX  and XXXX. This unresolved issue is actively preventing me from securing housing for myself and my XXXX minor children XXXX of whom has significant XXXX. Despite being willing, ready, and able to pay the debt in full, I am caught in the middle of an inter-agency dispute that has left my credit in limbo and my family in crisis. 
Summary of Dispute : I have contacted both XXXX and XXXX repeatedly via phone and email over several months. Neither party will take responsibility for the debt, and both have submitted conflicting reports to credit bureaus. This has caused significant and unjust harm to my credit score impacting my ability to obtain housing despite my financial readiness to pay. 
I am requesting immediate intervention and assistance under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to : Verify and validate the disputed debt between XXXX  and XXXX Cease all collection activity and credit reporting related to this account until proper validation is completed Remove or correct the inaccurate reporting on my credit file immediately Details of Disputed Debt : XXXX XXXX XXXX # : XXXX XXXX  CASE # : XXXX Original Merchant : XXXX XXXX  Reference : XXXX Date Obtained : XX/XX/XXXX Loan Amount : {$1600.00} | Remaining Balance : {$870.00} XXXX : 0.00 % | Terms : XXXX installment Creditor : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Date XXXX XX/XX/XXXX Due Monthly : Starting XX/XX/XXXX $ XXXX ( last payment {$41.00} ) Both companies have provided legal documentation claiming the loan is not their responsibility. This has created a closed loop where neither will allow me to resolve it, and my credit report continues to reflect the balance. 
Additional Errors Impacting My Credit Report : In addition to the XXXX dispute, there are multiple accounts on my credit report that are : Already paid in full, but still showing as active or unpaid Unfamiliar or potentially inaccurate, with no available path for me to resolve or close Despite my good-faith efforts, these errors remain uncorrected and are contributing to repeated housing denials. 
PAID Accounts Not Reflected on Credit Report : XXXX XXXX XXXX XXXX Bank XXXX PAID IN FULL on XX/XX/XXXX Partial Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAID IN FULL on XX/XX/XXXX Partial Account # : XXXX CANCELLED XXXX refund coming {$240.00} XXXX XXXX XXXX ( XXXX Credit ) PAID IN FULL on XX/XX/XXXX Partial Account # : XXXX CALL CREDIT PEOPLE DIRECTLY TO ASK TRANSUNION # XXXX These accounts are still negatively affecting my XXXX XXXX despite full payment. Proof of payment is attached. 
Additional Accounts Needing Clarification or Removal : XXXX Card Partial Account # : XXXX I do not recognize this account. If this is mine, I require full validation and documentation in order to pay it off. Otherwise, I request immediate removal. 


XXXX/ XXXX XXXX XXXX Partial Account # : XXXX This account is unclear. If it belongs to me, I want it closed and settled immediately, but need access to contact information and outstanding balance. CANCELLED XXXX XXXX XXXX XXXX Partial Account # : XXXX NOBODY CAN FIND IT I have spent months contacting XXXX XXXX  and XXXX XXXX  ( who inherited XXXX XXXX credit accounts in XXXX ), and no one can find this account under my name, XXXX, XXXX, or phone number including multiple supervisors. I need information on who holds this debt, what is owed, and how I can pay it off. 


Urgent Request : I request that this entire matter be handled as an emergency priority, not just a standard XXXX review, due to the extensive history of inaccurate reporting, inter-company disputes, and lack of resolution despite my repeated outreach. My family is currently in crisis due to housing denials, and these inaccuracies and misattributions are directly to blame. 

As a consumer, I respectfully exercise my right to : Receive verified and accurate information regarding all debts reported in my name Dispute any entry not fully validated under the FDCPA and FCRA Prevent further credit damage caused by inaccurate, outdated, or misassigned accounts Resolve any legitimate debts promptly with the XXXX XXXX Please consider this letter a formal notice of dispute and a request for immediate correction. I ask for all collection and reporting activity to be paused pending investigation, and for written notification of resolution. 
Thank you for your time, understanding, and swift action in helping me restore access to safe housing and correct my credit file. 
Sincerely, XXXX XXXX XXXX, NY

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