Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX [ Date of Birth ] [ Last XXXX of SSN ] Date:XXXX To experian I am writing to formally dispute several accounts currently reporting on my consumer credit file. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

After reviewing my credit report, I have identified accounts that contain inaccurate, incomplete, inconsistent, or unverifiable information. I am requesting a full investigation and validation of these accounts. If the information can not be verified as accurate and complete, it must be corrected or deleted from my credit file. 

-- - # # # Accounts in Dispute * * Inaccurate balance or payment reporting * * * XXXX  XXXX Account ending XXXX ( Balance {$200.00} ) * XXXX  XXXX Account ending XXXX ( Balance {$420.00}, monthly payment not reported ) * XXXX XXXX XXXX Account ending XXXX ( Balance {$11000.00} with $ 0 monthly payment showing ) * XXXX  XXXX Account ending XXXX ( Balance {$930.00}, payment information missing ) * XXXX XXXX XXXX Account ending XXXX ( Balance {$610.00} ) * XXXX XXXXXXXX XXXX Account ending XXXX ( Balance {$800.00} ) * XXXX XXXXXXXX XXXX Account ending XXXX ( Balance {$970.00} ) * XXXX XXXXXXXX XXXX Account ending XXXX ( Balance {$650.00} ) * XXXX XXXX  Account ending XXXX ( Balance {$560.00} ) * XXXX XXXX Account ending XXXX ( Balance {$900.00} ) * XXXX XXXX Account ending XXXX ( Balance {$190.00} ) * XXXX XXXX Account ending XXXX ( Balance {$140.00} ) * * Accounts reporting with questionable or unverifiable status XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account ending XXXX ( Showing {$0.00} balance but remains reported ) * XXXXXXXX XXXX XXXX Account ending XXXX ( Balance {$27000.00} ) * XXXX XXXX Account ending XXXX ( Balance {$440.00} with {$0.00} payment ) * XXXX XXXX XXXX Account ending XXXX ( XXXX balance account remaining on file ) * * Collection accounts lacking proper validation XXXX XXXX XXXX XXXX XXXX XXXX Account ending XXXX ( {$200.00} ) * XXXX XXXX XXXX XXXX Account ending XXXX ( {$5300.00} ) * XXXX XXXX XXXX Accounts ending XXXX ( {$940.00} ), XXXX ( {$670.00} ), and XXXX ( {$110.00} ) -- - # # # Basis for Dispute These accounts contain XXXX or more of the following issues : * Inaccurate balances or payment status * Missing required data fields * Inconsistent reporting across accounts * Failure to properly verify ownership, payment history, or account status * Reporting that does not meet FCRA accuracy and completeness standards Under the FCRA, you are required to : * Conduct a reasonable investigation * Verify the accuracy of each disputed account with the furnisher * Delete or correct any information that can not be verified -- - # # # Requested Action Please complete your investigation within the required time frame and provide me with : * Written confirmation of the results * An updated copy of my credit report * Documentation verifying any account you determine to be accurate If any disputed information can not be fully verified, I request its immediate deletion. 

Thank you for your prompt attention to this matter. 

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