Consumer complaint received 2023-05-24
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:
I am writing to formally dispute all negative data reported on my credit report. I believe that the information reported is inaccurate, inconsistent, and unreliable. This correspondence serves as a stern notice demanding a thorough investigation of all negative entries and immediate removal of any information that can not be substantiated with proper verification and evidence. Failure to comply within thirty ( 30 ) days from the receipt of this letter will result in severe consequences, including legal action seeking remedies for the harm caused. 

Specifically, I bring to your attention the following inaccuracies, inconsistencies, and discrepancies : -fraudulent reporting conducted by XXXX XXXX . I have obtained a letter from them acknowledging their inability to verify the debt they are attempting to collect. Despite this admission, they continue their collection efforts without reporting to credit agencies. Additionally, I received a fraudulent bill statement from them with incorrect name and address details. I demand the immediate removal of inaccurate information, cessation of collection attempts, and reimbursement for the fees incurred during the dispute process. 
These inaccurate entries have caused significant harm to my creditworthiness, limiting my financial opportunities and prospects. I insist that you conduct a comprehensive and diligent investigation into all the negative data on my credit report, ensuring the accuracy and integrity of the information being reported. 

-removal of the XXXX XXXX XXXX XXXX XXXX  account ( XXXX ) from my credit report. This account has been paid and closed since XX/XX/2019. The presence of this account on my report is inaccurate and misleading. I kindly ask for its prompt removal to reflect the correct status and prevent any further negative impact on my creditworthiness. 

-PAID federal debt on my credit report, which is exclusively reported by Experian. This presence violates my rights under the Fair Credit Reporting Act ( FCRA ). I possess evidence demonstrating that the debt has been paid, and it should not be reported on my credit file. I demand that Experian promptly investigate this matter and remove the inaccurate information. Failure to comply may result in legal action to protect my rights and seek appropriate remedies for the damage caused to my credit report and financial opportunities. 

I remind you of your legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to maintain accurate and reliable consumer credit information. As such, I demand that you provide a written response within the aforementioned thirty ( 30 ) day period, detailing the actions taken to investigate and rectify these errors. This response should confirm the removal of any unsubstantiated negative data and furnish me with an updated and accurate copy of my credit report, reflecting the corrected information, as mandated by 15 U.S.C. 1681i ( a ) ( 2 ). 

Failure to comply with this demand will leave me with no choice but to exercise my rights under the FCRA. I will take the following actions : File formal complaints against each credit bureau with the appropriate regulatory authorities for non-compliance with the FCRA and failure to investigate and rectify the reported inaccuracies. 

Seek injunctive relief to halt any further reporting or dissemination of the disputed negative data. 

I anticipate your immediate attention to this dispute and a thorough investigation that upholds the rights and protections afforded to consumers under the FCRA. Any further delay, negligence, or failure to act in accordance with the law will be construed as a deliberate violation of my rights, and I will not hesitate to pursue legal remedies without further notice.

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