Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX sc XXXX XXXX Subject : request for removal of XXXX XXXXXXXX XXXX XXXX  from all credit bureaus I hope this letter finds you well. I am writing to formally dispute the presence of an account on my credit report. I request that [ Credit Bureau Name ] remove all information related to the following account : Creditor Name : [ XXXX XXXX XXXXXXXX XXXX Account Number : [ XXXX Date of Opening : [ XX/XX/ Balance : [ {$500.00} I have carefully reviewed my credit report, and I believe that the inclusion of this account is inaccurate and unjust. I would like to outline the reasons for my dispute and kindly request your assistance in rectifying this matter. 

1. Inaccurate Reporting : The information provided by [ XXXX XXXX XXXXXXXX XXXX ] regarding this account is erroneous. According to my records, I have never opened an account with [ XXXX XXXX XXXXXXXX XXXX  ] on the date mentioned above. Therefore, it is evident that a mistake has been made, leading to an incorrect entry on my credit report. 

2. Lack of Verification : I have not received any communication from [ XXXX XXXX XXXXXXXX XXXX XXXX  regarding this account. No correspondence, statements, or notifications have been sent to me to indicate that I owe any debt to [ XXXX XXXXXXXX XXXX XXXX ]. I believe it is essential for the creditor to provide verifiable evidence supporting their claim and validate the existence of this account. 

3. Statute of Limitations : Even if this account were valid, the statute of limitations for collecting this debt in [ SC ] has expired. As per the applicable laws, any claim relating to this account is no longer enforceable. Therefore, the inclusion of this account on my credit report is both misleading and unjust. 

Based on the above reasons, I kindly request that [ Experian ] initiate an investigation into this matter and remove the disputed account from my credit report. I expect a prompt response within 30 days of your receipt of this letter, as per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 

Please find enclosed copies of supporting documents, including my credit report highlighting the disputed account, as well as any relevant correspondence or records that support my claim. I trust that you will thoroughly investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. 

I also request that, in compliance with FCRA Section 611 ( a ) ( 5 ) ( A ), you provide me with a written confirmation once the investigation is complete and the disputed account has been removed from my credit report. 

Thank you for your attention to this matter. I believe in the importance of accurate credit reporting, and I trust that [ XXXX XXXX XXXXXXXX XXXX  ] will handle this dispute with the utmost professionalism and diligence. Should you require any further information or if there are any updates regarding this matter, please do not hesitate to contact me at the address listed above or via phone at 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