Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Dear [ Experian, XXXX, XXXX, XXXX This letter is to formally dispute the following inaccuracies appearing on my credit report, which I received on [ Date of Accurate credit report XX/XX/XXXX XXXX [ XXXX XXXX XXXX XXXX Intallment account ] : Specific inaccuracies, e.g., " Incorrect account balance, it should be XXXX, '' " Account reported as open when it was closed, '' " Account not authorized by me '' Payment history inaccuracies .Not showing method of verification .I need detailed breakdown on how it was verified. The methods used to verify account and wet signatures where i authorized it. I never have had account with XXXX XXXX XXXX. I have nver signed a contract with them.I need this removed off my account and deleted. I need detailed contracts and signatures and authorization and chain of contact from the beginning at original creditor to XXXX XXXX XXXX. I need my signature where i approved it to be reported or I even said i owned this debt. I need verification and contracts from all companies and wet signatures .Please remove if can not be verified in this manner..I am not saying I own this or reconize it in any way. This was stated in my first dispute letter. 
[ XXXX as employer ] : [ Specific inaccuracies, e.g., " Incorrect date of last activity, '' " Incorrect occupation and employer. '' " Account reported by an unauthorized employer.Also it is showing alot of mismatched information on my account this all needs cleared up XXXX have given you my drivers licence and my social security card and a copy of a bill .My ex husbands address was listed on my credit report for who knows how long .That needs removed and never put back on.I am no way affiliated with XXXX XXXX we have been divorced XXXX  years nor any of his family members [ Hard Inquiries ] : [ List specific hard inquiries you did not authorize ] Shield Screen XXXX, Big all needs removed unauthorized. I had my identity stolen twice i have XXXX police reports on file XXXX had people steal my debit cards security breeches with experian and social security XXXX alerted my account. 
I request the following actions : Immediate removal of all disputed accounts and related information from my credit report.

Validation of all accounts reported on my credit report. This includes : Verification of the original creditor 's ownership of the debt. 
Confirmation of the validity and authenticity of all wet-signed contracts. 
Documentation of all communication between me and the original creditor and any subsequent debt collectors.Investigation of all hard inquiries listed on my credit report. I authorize only [ XXXX ] to pull my credit report..Law XXXX its illigal to report anything without my permission.I have not given any permission to anyone. 
Compliance with all applicable federal laws regarding credit reporting, including the Fair Credit Reporting Act ( FCRA ). I have no contract or never have had a contract or any interaction with XXXX credit collector. I am not confirming or acknowledging any debt or account .I never did in my last dispute either. I am inquiring on how this debt was obtained and all the chain or authizaation from the first interaction to obtain debt. I need all contracts and wet signature. I need payment history, my signature, balance is increased it should be XXXX since its charged off and removed XXXX never recieved a XXXX for said debt. I need chain of command on how it was acquired from every agency. Wet signatures my signature .I need the contract between me and XXXX and my wet signature. 
I am aware of my rights under the FCRA, which include : The right to obtain a free copy of my credit report from each of the major credit bureaus annually. 
The right to dispute any inaccurate information on my credit report. 
The right to be notified of any adverse action taken against me based on information in my credit report. 
The right to sue a credit reporting agency for willful violations of the FCRA. CFPB has recently filed a lawsuit against Experian alleging systimic issues such as failing to forward consumer provided evidence to furnish unreliable responses and failing to adauatly notify customers of dispute outcomes.These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing further harm to my credit report XXXX am requesting immediate corrective action to remove or amend suspected disputed accounts.as Experian has violated federal law and my rights as a consumer. I also know 15 USC 168i5 allows for removal of this data.

I have attached copies of [ list any supporting documentation, e.g., payment receipts, accurate credit report dispute number, first dispute letter, drivers licence, bill, social security card. I have attached my first letter to make sure all my address is up to date. 
I request that you investigate this matter promptly and provide me with a written response within [ timeframe specified by the FCRA, typically 30 days ] confirming the removal of the disputed information or explaining the steps you will take to investigate and resolve the dispute. Authorization to even be able to work in the state of Florida Sincerely, 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