Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Subject : Request to Delete/Remove Account Number XXXX from Credit Bureaus Dear Sir/Madam , I am writing to file a formal complaint and request the immediate deletion/removal of the account number XXXX, associated with XXXX  XXXX XXXX, from my credit reports maintained by the credit bureaus. Despite my previous attempts to dispute this account, I have not received a satisfactory resolution, and it continues to negatively impact my creditworthiness and financial well-being. 

I assertively request the deletion/removal of this account based on the following laws, regulations, facts, and current events : 1. Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers have the right to dispute any inaccurate or incomplete information on their credit reports. Section 611 ( a ) ( 1 ) ( A ) of the FCRA grants me the right to request an investigation into the accuracy of the information reported by XXXX XXXX XXXX concerning account number XXXX. 

2. Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA provides consumers with additional tools to combat identity theft and inaccuracies in their credit reports. Section 611 ( a ) ( 5 ) of FACTA mandates that the credit bureaus promptly investigate and delete inaccurate or unverifiable information upon receiving a dispute. 

XXXX. Consumer Financial Protection Bureau ( CFPB ) : As a regulatory agency tasked with protecting consumers ' financial interests, the CFPB has the authority to enforce compliance with federal consumer financial laws. The CFPB 's enforcement actions against credit reporting agencies and data furnishers demonstrate the agency 's commitment to ensuring fair and accurate credit reporting.

4. Two Prior Disputes : I have previously disputed the account number XXXX through the credit bureaus in an attempt to correct inaccurate information. However, despite my efforts, the credit bureaus have failed to conduct a proper investigation and provide a satisfactory resolution. 

5. Negative Impact on Creditworthiness : The presence of account number XXXX on my credit reports inaccurately portrays my creditworthiness and financial standing. This misinformation has resulted in denied credit applications, increased interest rates, and limited access to favorable financial opportunities, which directly affects my ability to secure loans, housing, and employment. 

I understand that it is customary to provide supporting documentation to substantiate my claims. However, due to the sensitive nature of personal information and to ensure data privacy, I am unable to include specific documents supporting this complaint in this correspondence. I kindly request your understanding in this matter and ask that you consider the assertion of my rights as a consumer under the aforementioned laws and regulations. 

In light of the aforementioned laws, regulations, facts, and current events, I respectfully request that the Consumer Financial Protection Bureau intervene in this matter and ensure the immediate deletion/removal of account number XXXX from my credit reports maintained by the credit bureaus. 

Furthermore, I urge the CFPB to take appropriate enforcement action against the credit reporting agencies. for their failure to comply with federal consumer financial laws and their role in perpetuating inaccurate and damaging credit reporting practices. 

I kindly request that you acknowledge receipt of this complaint promptly and provide me with updates on the status and progress of the investigation. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently address this issue to protect my consumer rights and ensure fair and accurate credit reporting practices. 

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 non-monetary relief