Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : [ Insert Todays Date ] To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian * Re : Formal Dispute of Inaccurate Collection Account Reporting by XXXX XXXX XXXX XXXX  Account # XXXX To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding an account reported on my XXXX  credit report : Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} Date of First Delinquency : XX/XX/XXXX Collection Agency : XXXX XXXX Account Number : * XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$110.00} Date of First Delinquency : XX/XX/XXXX Date Assigned : XX/XX/XXXX Reported Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : * XXXX Original Creditor : XXXX XXXX : {$64.00} Date of First Delinquency : XX/XX/XXXX Date Assigned : XX/XX/XXXX Reported : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account Number : * XXXX Balance : {$1900.00} Original Amount : {$1900.00} Date Opened : XX/XX/XXXX Date of First Delinquency ( claimed ) : XX/XX/XXXX Reported as : Debt Buyer / Collection Account Creditor : XXXX XXXX Account Numbers : Multiple ( all ending in * XXXX ) Type : Education Loans Status : XXXX  Days Past Due Date of Last Payment : XX/XX/XXXX ( same across all accounts ) Reported Balance Due : Varies Reported as of : XX/XX/XXXX I dispute the completeness and accuracy of this account for the following reasons : 1. Verification Failure : According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation when a dispute is filed. If the information can not be verified, it must be deleted pursuant to 1681i ( a ) ( 5 ) ( A ). You have failed to provide me with documentary evidence proving this account is accurate and verifiable. 
XXXX. Unverifiable Reporting : I formally request that you obtain a copy of the original signed contract or billing statements from the original creditor, XXXX XXXX XXXX. If these can not be provided by XXXX XXXX XXXX or XXXX  within 30 days, the account must be permanently deleted under XXXX681i ( a ) ( 5 ) ( A ).

3. Re-aging Violation Check : Additionally, I am requesting a review to ensure this account is not being re-aged in violation of 15 U.S.C. 1681c, which limits how long negative information may be reported. The Date of First Delinquency is listed as XX/XX/XXXX, and I will be monitoring to ensure this is not improperly reset or extended. 
XXXX. Failure to Report Ongoing Dispute : The record must reflect that this item is currently disputed, per 15 U.S.C. 1681s-2 ( a ) ( 3 ). If the furnisher of information has been notified of this dispute and continues to report it as accurate without including the dispute notation, it constitutes willful noncompliance.

DEMAND FOR ACTION : Conduct a full reinvestigation in compliance with FCRA 1681i. 
Provide all documentation used in verification ( signed agreements, billing records, etc. ). 
If this information can not be substantiated with original documentation within 30 days, delete this item entirely from my credit report as required by law. 
Confirm in writing that the investigation has been completed and the results. 
This is not a refusal to pay but a notice that your claim is disputed. Please respond within 30 days as required under FCRA 1681i.

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