Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX I found inaccurate negative items on my credit report. I contacted the furnishers, received no verification response Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate, Unauthorized, and Damaged Credit Reporting under Consumer Law Dear Experian, I am writing to formally dispute multiple accounts reported on my credit report, specifically concerning the following : Self-Reported Account ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account ( Account Number : XXXX XXXX XXXX created without my knowledge and as a victim of the * XXXX  data breach * * in XX/XX/XXXX An account related to my personal data, created following the XXXX  data breach in XX/XX/XXXX * * Key Points of Dispute : 1. Unauthorized Accounts Due to Data Breach : As a victim of the XXXX data breach in XX/XX/XXXX, I believe the following accounts were fraudulently created or reported without my authorization : XXXX XXXX Account ( Account Number : XXXXXXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX Closed in XX/XX/XXXX Past due amount of {$1200.00} Collection account past due as of XX/XX/XXXX XXXX XXXX XXXX XXXX Account ( Account Number : XXXXXXXX XXXX XXXX XXXX Self-Reported Account ( XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681a, I have the right to dispute inaccurate or fraudulent information resulting from data breaches or identity theft. These accounts were not authorized by me, and I demand their immediate removal from my credit report.

2. Inaccuracy of Payment History and Late Payments : The accounts listed, including the XXXX account, show late payments and balances that I dispute. These are inaccurate, especially considering I did not authorize or establish these accounts. Under 15 U.S. Code 1681a, I have the right to verify the accuracy of the reported information and request correction or deletion if incorrect.

3. Violations of Collection Laws : For the accounts reported by XXXX XXXX and XXXX, I invoke 15 U.S. Code 1692c to limit collection actions and notify that I do not recognize or owe these debts. Any collection activity or reporting without proper validation or authorization is unlawful.

4. Failure to Verify and Inaccurate Reporting : Under Consumer Law 1666b, I request validation of the debts, including proof of the accounts legitimacy, payment history, and basis for late payments. If you can not verify this information, I demand their immediate removal from my credit report.

Specific Demands : Verification : * * Provide documentation validating the legitimacy of each account, especially those created after the XXXX  breach, including XXXX and XXXX XXXX. 
Correction/Removal : * * Remove all unverifiable, inaccurate, or fraudulent accounts and late payment entries.

Cease Collection Activities : * * Halt any collection efforts related to these accounts until verification is complete.

Legal Action Notice : * If these inaccuracies are not corrected promptly, I will pursue legal remedies, including filing complaints with the * Consumer Financial Protection Bureau, * * Federal Trade Commission, and pursuing litigation for violations of my rights.

Additional Comments : I am exercising my rights under the Fair Credit Reporting Act and related consumer laws to ensure my credit report reflects only accurate, authorized, and verified information.

Please acknowledge receipt of this dispute and inform me of your findings and actions. Failure to resolve these issues within 30 days will result in me taking further legal action. 

Thank you for your prompt attention to this matter. 

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