Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information currently appearing on my credit report. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request an immediate reinvestigation and deletion of the following items, which are negatively impacting my credit profile. 

Unless you can verify these accounts with full documentation, including original contracts, billing statements, and chain of title, they must be removed in accordance with federal law. 

Late Payment Accounts DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : These accounts are reported with derogatory late payments. I have not received proper documentation confirming these delinquencies, nor have I received a validation notice. You are required to validate these claims with original payment records and signed agreements. Otherwise, they must be deleted under FCRA 1681i ( a ). 

Charge-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : These charge-offs are being reported without sufficient documentation. If these debts were canceled or forgiven, they should be treated as income per IRS Publication 4681, and are not legally collectible. I request original loan agreements, account histories, and proof of assignment. Otherwise, these must be removed as unverifiable entries. 

Collection Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : These collections were never validated. As required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, debt collectors must provide written validation of the debt, including the original creditor, balance, and authority to collect. I have not received any such notice. Please delete these entries immediately if documentation can not be provided.

Legal Basis for My Dispute You are obligated under the following statutes : FCRA 15 U.S.C. 1681i, 1681b, 1681s-2 FDCPA 15 U.S.C. 1692 et seq.

IRS Pub. 4681 Treatment of charge-offs CFPB and FTC Regulations All unverifiable, incomplete, or outdated entries must be deleted within 30 days of this dispute. Failure to respond properly may result in formal regulatory complaints and civil action for statutory damages.

Requested Action Delete all accounts listed above that can not be verified with full documentation.

Provide written confirmation of all deletions and corrections made.

Provide a copy of the results of your reinvestigation as required by FC
RA 1681i ( a ) ( 6 ).

Thank you for your prompt attention to this matter. I expect a written response within 30 days of your receipt of this letter.

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