Consumer complaint received 2025-04-11 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Credit Report Dispute | Report # : XXXX To Whom It XXXX Concern : I am writing to formally dispute the following inaccurate account listed on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX Format Compliance requirements. The account in question lacks a valid account number, rendering it impossible to verify its ownership, validity, or compliance with federal and XXXX XXXX reporting standards. 

Specific Dispute Details : 1. Unverifiable Account Identification : The account is reported without an associated account number, violating Metro 2 Format 3.3.1 and 15 USC 1681i ( a ) ( 1 ) ( A ).

2. Inaccurate Payment History : The payment history associated with this account can not be validated due to missing or inconsistent data, violating 15 USC 1681s-2 ( a ) ( 7 ) ( Furnisher Accuracy Obligations ).

3. Lack of Validation : The furnisher has failed to provide sufficient documentation to establish legal ownership, contractual obligation, or compliance with 15 USC 1692g ( Debt Validation Requirements ).

Legal Basis for Dispute : - 15 USC 1681i ( a ) ( 1 ) ( A ) : Requires CRAs to reinvestigate disputed information within 30 days.

- 15 USC 1681s-2 ( a ) ( 7 ) : Obligates furnishers to correct inaccuracies upon notice.

- 15 USC 1692g : Mandates debt validation prior to continued collection efforts.

- 15 USC 1692c : Prohibits communication if debt validity is disputed.

- Metro 2 Format 3.3.1 : Requires furnishers to report complete account identifiers.

Demanded Actions : 1. Immediate Removal or Correction : Delete this unverifiable account from my credit file or update it to reflect complete Metro 2 compliance, including a valid account number and accurate payment history.

2. Reinvestigation : Contact the furnisher to validate the debt under 15 USC 1681i ( a ) ( 2 ) and provide me with a detailed description of their investigative methods.

3. Documentation : Supply a copy of the original creditors name, contract, and payment history, as required by 15 USC 1681g ( a ) ( 1 ).

Notice of Escalation : Failure to resolve this dispute within 30 days will compel me to file formal complaints with the CFPB ( 12 CFR 1022 ), FTC ( 15 USC 1681s ), Illinois Attorney General ( 815 ILCS 505/2Z ), and pursue litigation under 15 USC 1681n for willful non-compliance.

Cease Communication Directive : Pursuant to 15 USC 1692c ( c ), do not communicate with me via phone or non-official mail regarding this dispute. All correspondence must be in writing and sent to the address above. 

Sincerely, XXXX A XXXX Enclosures : Copy of Credit Report Highlighting Disputed Account CC : CFPB, FTC, Illinois Attorney General XXXX Mail # 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