Consumer complaint received 2025-07-13 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: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Credit Report Item Urgent Action Required To : XXXX Dear Experian Dispute Department, I am writing to formally dispute the accuracy and validity of a collection account reported on my credit report, referenced by account number XXXX. The account shows a balance of {$4700.00} for a vehicle, which I deny owing, as I have never authorized or acknowledged this debt, nor have I ever resided at the address associated with this account. 
Despite my prior cease and desist letter and dispute request asking for validation, this account remains on my credit report. This situation violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Legal Basis for Dispute : FCRA Section 1681i ( a ) : * * I am entitled to dispute the accuracy of the information reported ; Experian is required to conduct a reasonable reinvestigation upon my dispute.

FCRA Sections 1681s-2 ( a ) and 1681s-2 ( b ) : * * I request verification of this account, including proof of debt assignment, the original creditor, and a complete payment history.

FCRA Section 1681g ( a ) : * * I am entitled to request all information about the source and original creditor of this account.

15 U.S.C. 1692c : * * Under the FDCPA, debt collectors must cease collection activities if a consumer requests it in writing, which I have done.

15 U.S.C. 1692g : * * Debt collectors are required to validate the debt upon request, providing proof of the debts validity and details.

FCRA Section 1681c-2 : * * I have never resided at the address associated with this account and never authorized its reporting on my credit file.

Additional Personal Information for Verification : Date of Birth : * * XXXX XXXX XXXX Request for Immediate Action : Due to the lack of validation, the disputed amount, and my lack of authorization or residence at the address associated with this account, I demand : Immediate removal of this collection account from my credit report. 
Proof of debt assignment, including the original contract, and a complete payment history. 
Cease all collection activities related to this account, as I have previously requested via cease and desist letter. 
Legal Notice : Please be advised that if this account is not removed from my credit report within 30 days of receipt of this email, I am prepared to pursue legal action for violations of the FCRA and FDCPA, including damages for inaccurate reporting, defamation, and consumer rights violations. I will also report this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Conclusion : I request written confirmation from Experian that this account has been removed from my credit report and that all collection efforts have ceased within 30 days from the date of this email. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Email : 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