Consumer complaint received 2025-06-08 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: NY

Complaint narrative:
Courtesy copies mailed to : ConsumerFinancialProtectionBureau ( CFPB ) XXXX, XXXX ( FTC ) XXXX, XXXX BureauofConsumerFrauds & Protection, XXXX, XXXX Subject : Comprehensive Dispute of Inaccurate Debt Accounts, Unauthorized Hard Inquiries, and Notice of Multiple Statutory Violations DateofDispute : XXXX I.Introduction I, XXXX, submit this formal dispute pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Numerous irregular, inaccurate, and unverified entriesboth tradelines and hard inquiriesappear on my consumer credit reports, damaging my creditworthiness, reputation, and overall financial standing. 

II.Background & Statutory Authority FDCPA,15U.S.C.1692g Right to dispute and obtain validation.FCRA,15U.S.C.1681e ( b ) Reasonable procedures for maximum possible accuracy.FCRA,15U.S.C.1681i ( a ) Thirtyday reinvestigation duty.FCRA,15U.S.C.1681b ( a ) ( 2 ) Prohibition on furnishing reports without written consent.18U.S.C.1028A ( a ) ( 1 ) Aggravated Identity Theft. 

III.Accounts in Dispute # Creditor Balance Status XXXX XXXX {$730.00} XXXXXXXX XXXX XXXX  {$7100.00} XXXX XXXX XXXX XXXX {$320.00} Chargedoff XXXX XXXX  {$150.00} Chargedoff XXXX XXXX  ( XXXX  ) {$300.00} Collection XXXX XXXX  XXXX XXXX XXXX {$410.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$310.00} Collection XXXX XXXX {$1600.00} Collection XXXX XXXX {$400.00} XXXX Collection Timeline Note : many tradelines were reported or updated between XXXX and XXXX without any notice to me, indicating deficiencies under 15U.S.C.1681s2 ( a ). 

IV.HardInquiries in Dispute ( Nonexhaustive ; each inquiry lacks documented permissible purpose under 15U.S.C.1681b ( a ) ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dated between XXXX and XXXX. 

V.Detailed Validation & ReInvestigation Demands Full balance computation ( principal, interest, fees, penalties ). 

Exact chargeoff date and confirmation it preceded any assignment or sale.

IRS Form1099C, where applicable. 
Documentation of the complete ownership/assignment chain.

Original signed contract or application.

Complete payment history. 

Itemized interest/fee schedule with statutory rate citations. 

Purchase price paid by any debtbuyer. 

Permissiblepurpose documentation for every hard inquiry. 

VI.Additional Statutory Violations & Damages Failure to comply with 1681e ( b ) and 1681b ( a ) ( 2 ) has resulted in defamation, reputational harm, financial loss, invasion of privacy ( 15U.S.C.1681 ( a ) ( 4 ) ), and exposes furnishers to felony liability under 18U.S.C.1028A ( a ) ( 1 ). 

DamageCategory Amount Impermissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged creditworthiness {$1000.00} Damaged mode of living {$1000.00} Infringed right to privacy {$1000.00} Total Potential Liability {$6000.00} XXXXXXXX XXXX XXXX ) confirms that failure to follow reasonable procedures violates 1681s2 ( a ) ( 1 ) and entitles consumers to relief.

VII.Requested Remedy & Timeframe Delete any tradeline or inquiry that can not be verified within 30days of receipt of this dispute. 

Provide a written statement summarizing findings and actions taken.

Supply updated reports to all CRAs/furnishers reflecting deletions or corrections.

If you fail to comply, I will file complaints with the CFPB, FTC, and XXXX, and pursue statutory, actual, and punitive damages under the FCRA ( 15U.S.C.1681n,1681o ) and FDCPA ( 15U.S.C.1692k ).

VIII.Legal Citations 15U.S.C.1681i Reinvestigation of disputed information15U.S.C.1681e Accuracy & reasonable procedures15U.S.C.1681b Permissible purposes15U.S.C.1681n Civil liability for willful noncompliance15U.S.C.1692g Debt validation (
FDCPA ) 12CFR1016.7 Privacy of consumer financial information18U.S.C.1028A Aggravated identity theft IX.IdentityVerification Enclosures Stateissued drivers license SocialSecurity card Proof of current address Thank you for your prompt attention to this matter. Please respond in writing to the address on file. 

/s/ for

Company response to consumer: Closed with explanation