Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Collection Account and Request for Removal under Section 605 Dear Sir/Madam, I am writing to formally lodge a complaint regarding an inaccurate collection account that is being reported on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I am requesting the immediate removal of this collection account from my credit report due to its inaccurate and outdated nature.

1. Violation of Section 605 of the FCRA The collection account in question is listed under the name of [ XXXX Account # XXXX After reviewing my records, I believe the account is outdated and should be removed as it Section 605 ( a ) of the FCRA. According to this provision, negative information such as collection accounts must be removed I respectfully request that it be removed from my credit report immediately.

2. Violation of Section 607 of the FCRA ( Duty to Report Accurate Information ) Additionally, under Section 607 ( b ) of the FCRA, all information reported to consumer reporting agencies must be accurate and complete. The collection account in question contains inaccuracies that misrepresent the status of the debt and do not reflect the true nature of the account. As such, this entry violates the requirement for accuracy, and I am requesting that the credit bureaus investigate and correct this inaccurate reporting.

3. Violation of Section 609 of the FCRA ( Right to Information ) Under Section 609 of the FCRA, I am entitled to request verification of the information being reported on my credit report. I have not received adequate documentation supporting the accuracy of this collection account, and as such, I request that the reporting agencies provide the full documentation that justifies the existence of this debt and the reporting of this collection entry. Without this verification, I believe the entry should be removed under Section 609 ( a ) ( 1 ).

4. Violation of Section 611 of the FCRA ( Dispute Resolution ) Under Section 611 of the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate. I have already disputed this collection account with the relevant credit bureaus, but the account remains on my report despite the lack of substantiated evidence or proper verification. Therefore, I request that the CFPB ensure that the credit reporting agencies fully investigate and resolve this matter in accordance with the legal timelines and remove the collection account if it can not be verified or is found to be inaccurate. 

5. Violation of Section 605B of the FCRA ( Identity Theft Reporting ) In addition to the previous points, I would like to highlight that, should this collection account be related to identity theft or fraudulent activity, under Section 605B of the FCRA, I have the right to request the removal of information resulting from such theft. If this is the case, I request that the credit reporting agencies remove this entry immediately and investigate the circumstances surrounding this account.

6. Unfair and Deceptive Practices ( Under the Dodd-Frank Act ) This collection account may also violate the Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) in the handling of consumer financial products and services. The continued reporting of this inaccurate collection account despite my disputes may fall under these provisions, and I am requesting that the CFPB intervene to ensure fair treatment and protect my rights under this law. 

7. Violation of State Consumer Protection Laws In addition to federal laws, I believe that this inaccurate reporting also violates consumer protection laws under [ FLORIDA ], which protect consumers from inaccurate credit reporting. I request that the CFPB work with state agencies as needed to ensure compliance with state law.

Request for Immediate Removal and Investigation Given these violations, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue and take prompt action to ensure that the inaccurate collection account is removed from my credit report within four ( 4 ) business days as required by federal law. The continued reporting of this collection account is damaging my credit score and violating my consumer rights, and I request swift resolution.

Please confirm receipt of this complaint and inform me of the steps being taken to address this issue. Should you need additional documentation or information to support my claim, I am happy to provide it. 
Thank you for your attention to this urgent matter.

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