Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
# CREDIT REPORT DISPUTE LETTER * * Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : * * Experian, Equifax, and TransUnion Credit Reporting Agencies -- -- - # # FORMAL DISPUTE - DEMAND FOR REMOVAL * * Re : Dispute of Inaccurate and Unverifiable Collection Account * * * * Account in Question : * * XXXX XXXX XXXX - {$840.00} Dear Credit Reporting Agencies, I am writing to formally dispute the above-referenced collection account appearing on my credit reports. This account is inaccurate, unverifiable, and must be removed immediately from all three credit reporting agencies pursuant to the Fair Credit Reporting Act ( FCRA ).

# # GROUNDS FOR DISPUTE * * 1. LACK OF PROPER LICENSING * * XXXX XXXX XXXX is not licensed with the Nationwide Multistate Licensing System ( NMLS ) to collect debts in the state of California, where I reside. This constitutes a fundamental violation of state licensing requirements for debt collection activities.

* * 2. VIOLATION OF FEDERAL CONSUMER PROTECTION LAWS * * This collection account violates multiple federal statutes : * * Regulation F ( 12 CFR 1006 ) : * * The collector has failed to provide proper validation and verification of this alleged debt, violating the debt collection practices outlined in Regulation F, which requires debt collectors to provide clear and accurate information about debts they attempt to collect.

* * 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ) : * * The collector has not provided the required validation notice or has failed to validate this debt upon request. Under this statute, I have the right to dispute the validity of this debt and demand verification. The reporting of this unvalidated debt violates my consumer rights. 

* * 31 U.S.C. 5118 ( Legal Tender ) : * * This statute establishes the legal framework for debt obligations and payments. The collectors failure to properly establish the validity and legal basis of this alleged debt violates the fundamental principles of debt collection under federal law.

* * 15 U.S.C. 1692c ( c ) ( FDCPA Communication Restrictions ) : * * The continued reporting of this disputed and unvalidated debt to credit reporting agencies constitutes improper communication in violation of this statute, which restricts how and when debt collectors may communicate about alleged debts. 

# # LEGAL DEMANDS Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, you are required to : 1. * * Immediately remove * * this inaccurate and unverifiable account from my credit reports 1. * * Conduct a reasonable investigation * * within 30 days of receipt of this dispute 1. * * Provide written confirmation * * of the removal of this account 1. * * Notify all parties * * who have received my credit report in the past 6 months ( or 2 years for employment purposes ) of the deletion # # VIOLATION CONSEQUENCES Your failure to remove this inaccurate information constitutes a violation of the FCRA and may result in : - Statutory damages up to {$1000.00} - Actual damages - Punitive damages- Attorneys fees and costs # # REQUIRED ACTIONS I demand that you : 1. Remove the XXXX XXXX XXXX collection account ( {$840.00} ) from my credit reports immediately XXXX. Provide written confirmation of this removal XXXX. Send updated credit reports showing the removal XXXX. Notify all parties who have received my credit information of this correction # # SUPPORTING DOCUMENTATION Enclosed please find : - Copy of drivers license or state ID - Copy of Social Security card or XXXX - Copy of utility bill or bank statement ( proof of address ) # # TIMELINE FOR RESPONSE This dispute must be resolved within 30 days of your receipt of this letter as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Your failure to respond within this timeframe or your failure to remove this inaccurate information will result in further legal action.

I expect your prompt attention to this matter and full compliance with federal consumer protection laws. 

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