Consumer complaint received 2025-01-17 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX, XXXX XX/XX/XXXX EXPERIAN FRAUD DEPARTMENT : RE : Dispute of Collection Account under FDCPA Section 809 ( b ) Dear Experian, I am writing to formally dispute a collection account that appears on my credit report. This account is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), which requires a debt collector to provide proper validation of the debt upon request. 

Additionally, the actions of the credit bureau in purportedly verifying this account within less than 24 hours demonstrate complicity and corruption, as such rapid verification without valid and substantive evidence is highly suspect and procedurally flawed. 

The account in question is as follows : Debt Collector : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} I have previously disputed this debt and requested validation from the debt collector. Despite multiple attempts, no valid evidence has been provided to substantiate the debt. My specific concerns include : Lack of Proper Validation : The debt collector has failed to provide a proper validation letter or sufficient documentation to prove that this debt is mine. Under FDCPA guidelines, a sole copy of a bill is not adequate proof of ownership of the debt. Furthermore, this debt has been sold and resold to multiple collectors, none of whom have been able to validate the debt. This repeated transfer of ownership raises further questions about the legitimacy of the debt. 
Incorrect Address : The only document provided was a bill linked to an address where I have never resided. This alone demonstrates that the debt does not belong to me and that the collection is inaccurate and invalid. 

Credit Bureaus Verification : The credit bureaus claim to have verified this account within less than 24 hours lacks credibility. Verification of a disputed account requires obtaining and reviewing actual, valid evidence from the original creditor or the current debt collector. Without such evidence, the claim of verification is baseless and undermines the integrity of the credit reporting process. 
Under the FDCPA, a consumer has the right to dispute a debt and receive proper validation before any collection activity can continue. The collection account in question fails to meet these requirements, and its continued presence on my credit report is both unjust and unlawful. 
I demand the immediate removal of this collection account from my credit report. Failure to comply with this request may result in further legal action, including reporting these violations to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Please confirm the removal of this account in writing. Should you require any additional information to process this dispute, do not hesitate to contact me directly at the address or phone number listed above. 
Thank you for your prompt attention to this matter. 
Sincerely,

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