Consumer complaint received 2024-10-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Formal Dispute and Request for Immediate Deletion and Validation of Account : XXXX  XXXX Dear CFPB, I am writing to formally dispute the following account listed on my credit report from Experian. I have never opened or authorized the account described below, and I am demanding its immediate removal from my credit report. Despite having been in great standing with all of my correct and verified XXXX XXXX accounts, this account does not belong to me. I have disputed this account on multiple occasions and have not received any proper validation from the credit bureaus or the creditor. 

Disputed Account Information : Account Name : XXXX XXXX Account Number : XXXX Credit Bureaus Involved : Experian Date Opened : XX/XX/XXXX Current Status : Collection/Chargeoff Balance : {$0.00} Comments : Account was in dispute - now resolved - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. 
I have an impeccable record with my legitimate XXXX XXXX accounts, all of which are in good standing. This disputed account is clearly an error, and I am requesting immediate validation of the account or its deletion from my credit report. 

As per the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the legal right to request the following : FCRA Section 611 ( 15 U.S.C. 1681i ) : The right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( 15 U.S.C. 1681g ) : The right to request original signed documentation or proof of the debt 's validity.

FDCPA Section 809 ( 15 U.S.C. 1692g ) : The requirement that the debt collector provide validation of the debt upon request, or cease collection activity if they are unable to validate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Creditors must accurately report information, and if they are unable to verify the information, it must be deleted. 
This letter serves as a formal request for the original creditors signed documentation or any other proof demonstrating that this debt belongs to me. Should this documentation not be provided within the legal timeframe, I demand the immediate removal of this account from my credit report. 

As of XX/XX/XXXX, I have received no communication regarding my previous disputes, violating my rights under the FCRA and FDCPA. I urge the CFPB to ensure compliance with these laws and facilitate the removal of this erroneous account from my credit file. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to ensure the resolution of this issue in accordance with federal regulations. 

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