Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
I am writing to provide additional documentation related to a dispute I recently submitted concerning a bankruptcy listed on my Experian credit report. This letter is intended to supplement my original dispute, which Experian should have received on or around Thursday, XX/XX/XXXX via USPS certified letter tracking number XXXX XXXX XXXX XXXX XXXX XXXX. 

Furthermore, by Experian keeping these bankruptcies and Elderado Resorts on my credit report you are in violating the following : **15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : ** Failure to remove disputed information that can not be verified. - **15 USC 1681 602 : ** Experian has failed in its duty to uphold the fairness, accuracy, and privacy required by the FCRA . - **15 USC 1681 604 ( a ) ( 2 ) : ** Reporting a debt without a permissible purpose or verified consumer authorization. - **12 CFR 202 ( Regulation B ) : ** Allowing a fraudulent and unverifiable account to influence credit decisions is discriminatory and reckless. - **15 USC 1666 : ** When it comes to XXXX XXXX XXXX XXXX XXXX XXXXXXXX no validation or billing explanation has been provided, a clear violation of fair credit billing standards. - **UCC 3-604 : ** Experian is reporting a debt for which no contract or legal obligation exists, and no lawful consideration was provided. - **HJR-192/ Public Law 73-10 ( 1933 ) : ** The alleged debt is based on fiat, not lawful money , and no consideration was lawfully exchanged. - **20 USC 1087 : ** Experian is assisting in the unlawful reporting of debt that is not valid. 

Please find attached proof that the bankruptcy in question has already been removed from both XXXX and XXXX. This evidence further supports my request for Experian to also remove this inaccurate entry from my credit report. 

Experian has also failed to remove inaccurate addresses which is a violation of 15 USC 1681 despite being sent proof of the correct information along with proof. XXXX XXXX XXXX XXXX GA XXXX is not my address and needs to be removed immediately. 

Experian also has a third party collections account that does not belong to me from XXXX XXXX  XXXX. Third party collections violate the following : FCRA 611 ( 15 U.S.C. 1681i ). This section of the FCRA requires that credit bureaus conduct a reasonable investigation into disputed information. As the collection account is inaccurate and unverifiable, I request that it be removed from my credit report immediately. If the furnisher can not provide verification within 15 days, it must be deleted. FCRA 605 ( 15 U.S.C. 1681c ) ** : According to this section, negative information such as collection accounts must be removed from a credit report. FDCPA 807 ( 15 U.S.C. 1692e ) ** : The **Fair Debt Collection Practices Act** prohibits the reporting of false or misleading information by debt collectors. If the account is not verified by the original creditor or if there are inaccuracies, I demand its immediate deletion under this provision. Unverifiable Debt : If the credit reporting agency and the collection agency can not provide valid documentation and proof of this debt as required by **FCRA 623 ( 15 U.S.C. 1681s-2 ) **, it must be removed from my credit report. Creditors and collectors are legally obligated to report accurate information, and failure to verify the account should result in its deletion. Furthermore, under 15 USC 1692g debt collectors must validate debt. If they can not its NOT enforceable. I am also enforcing my rights through UCC 3-501 by demanding proof of debt through the original contract. I also want an itemized statement of my debt under secured transactions law according to UCC 9-210.

These accounts and inaccurate address are **fraudulent, not mine**, and is causing damage to my financial credibility and emotional well-being. Experians **continued reporting of this false and unverifiable debt** is unlawful and in direct violation of my rights.

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