Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute numerous inaccuracies and fraudulent entries on my Experian, XXXX, and XXXX credit report. These entries, which include unauthorized collections, charge-offs, inquiries, and incorrect address information, have severely impacted my credit standing and were reported in violation of the Fair Credit Reporting Act ( FCRA ). I am providing the relevant laws supporting my claim for immediate deletion of these fraudulent items. I also have a police report available to substantiate these disputes. 

Relevant FCRA Statutes and Their Application 1. 15 U.S. Code 1666 ( b ) - Billing Errors This law mandates that creditors promptly investigate and address billing errors. The following accounts, which appear as collections or charge-offs on my report, were fraudulently opened or misreported without appropriate verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These creditors failed to perform due diligence in investigating billing errors associated with fraudulent accounts in my name.15 U.S.C. 1681 ( e ) b. Cancel debt is gross or ordinary income. Income does not get reported on your consumer report, a charge off is inaccurate. Itemization is not a verification. A breakdown of charges is not considered verification or validation of debt. This should have been removed.

2. 15 U.S. Code 1637 ( a ) - Terms and Disclosure Requirements This statute requires that consumers receive clear disclosures regarding the terms and obligations of credit. The listed accounts below reflect a lack of transparency and verification, as they were opened fraudulently without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These creditors have reported accounts as charge-offs or in collection without my consent or notification, violating disclosure requirements. 15 U.S.C. 1681 ( e ) b. Cancel debt is gross or ordinary income. Income does not get reported on your consumer report, a charge off is inaccurate. Itemization is not a verification. A breakdown of charges is not considered verification or validation of debt. A 609 letter was sent and I never received proof of debt. I requested something with my wet signature on it, a copy of the original contract with my wet signature, a copy of the payment history, the name and address of the original creditor, and proof of credit authorization. I never received it. This should have been removed.

3. 15 U.S. Code 1692 ( g ) - Validation of Debts Debt collectors must verify debts upon request, yet these accounts were never validated, as required under this section : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX report reflects these items without any validation, which violates my rights under this statute. 15 U.S.C. 1681 ( e ) b. Cancel debt is gross or ordinary income. Income does not get reported on your consumer report, a charge off is inaccurate. Itemization is not a verification. A breakdown of charges is not considered verification or validation of debt. A 609 letter was sent and I never received proof of debt. I requested something with my wet signature on it, a copy of the original contract with my wet signature, a copy of the payment history, the name and address of the original creditor, and proof of credit authorization. I never received it. This should have been removed. 
4. 15 U.S. Code 1692 ( e ) - False or Misleading Representations This law prohibits false, deceptive, or misleading representation of debt. The following accounts were falsely reported as charge-offs or collections, which were not valid debts under my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX and XXXX XXXX reporting of XXXX false entries constitutes deceptive practices and has damaged my financial credibility. 

5. 15 U.S. Code 1681 ( e ) - Accuracy of Reporting The FCRA mandates that credit reporting agencies ensure maximum possible accuracy in reporting. The presence of these inaccurate accounts on my report indicates Experian, XXXX, and XXXX failure to meet this standard : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts, incorrectly reported as collection or charge-off accounts, demonstrate Experian, XXXX, and XXXX in verifying XXXX accuracy of the information reported. 
6. 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance Experian, XXXX, and XXXX negligence in investigating and removing these fraudulent entries makes it liable for damages. The continued presence of these inaccurate items, despite my efforts to correct them, reflects negligent noncompliance with FCRA requirements. 
7. 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance Experian, XXXX, and XXXX ongoing failure to delete these fraudulent entries suggests willful noncompliance with FCRA obligations, for which the company XXXX be held legally accountable. 
8. 15 U.S. Code 1681 ( b ) - Permissible Purpose of Consumer Reports This section specifies that consumer report information should only be used for permissible purposes. The following unauthorized inquiries on my report violate this statute, as they were conducted without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were conducted without my knowledge or approval, violating permissible purpose requirements. 


Fraudulent Accounts and Inquiries to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 ( e ) b. Cancel debt is gross or ordinary income. Income does not get reported on your consumer report, a charge off is inaccurate. Itemization is not a verification. A breakdown of charges is not considered verification or validation of debt. A 609 letter was sent and I never received proof of debt. I requested something with my wet signature on it, a copy of the original contract with my wet signature, a copy of the payment history, the name and address of the original creditor, and proof of credit authorization. I never received it. This should have been removed. 

Unauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Address Correction Only my current address is accurate : XXXX XXXX XXXX XXXX XXXX, TX XXXX All other addresses should be removed immediately. 

Summary of Requested Actions 1. Immediate deletion of all fraudulent collection and charge-off accounts listed above.

2. Removal of all unauthorized inquiries listed above.

3. Correction of address information to reflect only the valid address. 
Under the FCRA, Experian, XXXX, and XXXX has 30 days to investigate and respond to my dispute. Failure to comply with this request will be considered a violation, with potential legal consequences. Please confirm receipt of this letter and update me on the status of the investigation. 
Thank you for your prompt attention to this matter.

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