Consumer complaint received 2025-07-31 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 formally dispute certain inaccurate and/or unverifiable information listed in my Experian credit report dated XX/XX/XXXX, and request immediate investigation and correction as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

1. XXXX XXXX XXXX XXXX XXXX Account # XXXX Issue : This account is reported as Repossession/Foreclosure with the remark Merchandise was taken back by grantor/there XXXX be a balance due. However, the balance shows as {$0.00} and no payments are past due. 
Dispute : This remark is misleading and implies a deficiency or unresolved debt which is not supported by the account status. Since there is no outstanding balance and the account is paid via collateral, the remark is unfairly derogatory. 
Request : Remove the Repossession/Foreclosure status and the associated remark unless MidFlorida can XXXX full documentation verifying a legal repossession and balance due, including : Copy of the original contract Statement of deficiency balance ( if any ) Proof of legal repossession Proof the borrower was notified 2. XXXX Exchange Account # XXXX and # XXXX Issue : These accounts are reported as XXXX XXXX Past Due and Late Over XXXX XXXX respectively, with no payments ever made, and reported balances of {$220.00} each. 
Dispute : Under the FCRA 609 ( a ) ( 1 ) and 611, I am requesting verification of the debt, including : Proof of ownership of the account Signed agreement or original application Payment history and collection notices ( if applicable ) Without this supporting documentation, continued reporting of this information is a violation of FCRA 1681i, which requires the information to be accurate and verifiable. 
Request : Please delete these entries if the XXXX XXXX can not furnish complete and verifiable documentation within XXXX XXXX 
I am writing to formally dispute certain inaccurate and/or unverifiable information listed in my Experian credit report dated XX/XX/XXXX, and request immediate investigation and correction as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
XXXX. XXXX XXXX XXXX Account Number XXXX Original Creditor : XXXX XXXX Status : Collection, {$3600.00} XXXX. XXXX XXXX Bank XXXX Number XXXX I am writing to formally dispute inaccurate information on my credit report regarding a late payment reported by XXXX XXXX Bank SS XXXX The report indicates a XXXX late payment in XX/XX/XXXX for account number ending in XXXX. This account has since been paid in full and closed as of XX/XX/XXXX. 
According to the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be complete, accurate, and verifiable. I am requesting an immediate investigation into this matter, as I believe the late payment was either inaccurately reported or not properly validated. 
In support of my dispute, please note the following : The account was paid in full and closed in good standing in XX/XX/XXXX. 
I have had a consistent payment history prior to this, with no pattern of delinquency. 
The reporting of a XXXX late payment right before account closure raises concerns about accuracy or possible processing error. 
Under Section XXXX of the FCRA, I request that this late payment entry be verified with XXXX XXXX Bank SS. If it can not be verified or is found to be inaccurately reported, I respectfully request that it be removed from my credit file immediately. 
Supporting Law References : FCRA 602 ( A ) : Credit reporting must be fair and accurate.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires investigation of disputes within 30 days.

FCRA 609 ( a ) ( 1 ) : Entitles consumers to all information in their file.

Please conduct an investigation and provide me with the results in writing within XXXX XXXX as required by law. If these accounts can not be verified, they must be removed immediately. I have attached a copy of my identification and a copy of my credit report with the disputed items highlighted. 
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