Consumer complaint received 2025-02-03 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: NC

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in Daugherty v. Convergent Outsourcing , Inc., 836 F.3d 507 ( XXXX Cir. 
XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. i am a victim of multiple data breaches which is a result of identity theft i an disputing the inclusion of inaccurate and fraudulent information on my credit report, as outlined in the attached documentation in accordance to FAIR CREDIT REPORTING ACT ; SECTIONS 609, 611, 623 i an requesting the immediate removal of all unverifiable, inaccurate, fraudulent, outdated, incomplete information these errors are adversely affecting my creditworthiness and do not accurately represent my credit history, please conduct a reinvestigation and provide documentation of the disputed items being removed promptly from my credit report. 
I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I noticed discrepancies in the reporting of several accounts, particularly with balances exceeding original credit limits, and I request a reinvestigation. Below are the details : Accounts in Dispute XXXX. XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$5900.00} Original Credit Limit : {$5000.00} Status : Account charged off. {$5900.00} past due as of XX/XX/XXXX. 
Reason for Dispute : The reported balance exceeds the original credit limit by {$920.00}. This discrepancy raises concerns about the accuracy of the charges. I request verification and a detailed breakdown of how the balance was calculated, including any fees, penalties, or interest applied after the account defaulted. 
XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$1300.00} Original Credit Limit : {$1000.00} Status : Account charged off. {$1300.00} past due as of XX/XX/XXXX. 
Reason for Dispute : This account shows a balance exceeding the original credit limit by {$330.00}. I request verification and clarification of how these charges were incurred and calculated. 
XXXX. XXXX XXXXXXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$21000.00} Original Credit Limit : {$20000.00} Status : Account charged off. {$21000.00} written off. {$21000.00} past due as of XX/XX/XXXX. 
Reason for Dispute : The balance exceeds the original credit limit by {$1900.00}. I request a detailed explanation of how this amount was calculated, including a breakdown of all fees, penalties, and interest applied. 
XXXX. XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$16000.00} Original Credit Limit : {$16000.00} Status : Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Reason for Dispute : The balance exceeds the original credit limit by {$360.00}. I request documentation supporting this amount, including any fees or charges applied. The balances and statuses reported for these accounts do not align with the original credit limits, creating potential inaccuracies. If the discrepancies are due to added fees, penalties, or interest, I request validation and documentation of these charges. 
Under the FCRA, credit reporting agencies and creditors are required to report accurate and verifiable information. If the balances or account statuses can not be verified, I request their immediate correction or removal. 
Requested Actions

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