Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XX/XX/1999 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, TX XXXX Subject : Request for Immediate Removal of Inaccurate Accounts from Credit Report To whom it may concern, I am writing to bring to your attention certain inaccuracies present on my credit report, which I believe require immediate rectification under the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2a and 15 U.S. Code 1681b. I kindly request that you take prompt action to investigate and remove these inaccuracies from my credit report in accordance with these statutory provisions.

Under 15 U.S. Code 1681c-2a, credit card and debit card account numbers on receipts must be truncated ( partially concealed ) to protect consumer privacy and prevent identity theft. This provision emphasizes the importance of limiting the exposure of sensitive cardholder information to mitigate the risk of unauthorized access and identity theft. 

Additionally, under 15 U.S. Code 1681b, the FCRA stipulates that credit reporting agencies must ensure the maximum possible accuracy of the information contained in consumer reports. It mandates that consumer reporting agencies, like yours, maintain reasonable procedures to verify the accuracy of the information provided by creditors and promptly correct any inaccuracies. 

Based on the aforementioned legal provisions, I kindly request that you initiate an immediate investigation into the accuracy and validity of the aforementioned accounts. I expect that you will contact the creditors involved to verify the legitimacy of the reported accounts and review the documentation and evidence provided to support my claim of inaccuracy. 

In light of the FCRA requirements, I urge you to exercise your authority as a credit reporting agency to ensure the prompt removal of any inaccurate, misleading, or unverified information from my credit report. It is imperative that you take the necessary steps to rectify these errors and prevent any further damage to my credit standing, in accordance with the statutory obligations imposed on credit reporting agencies. 
Please provide me with regular updates regarding the progress of the investigation and the actions taken to address the inaccuracies in question. Furthermore, I expect a written response from your agency, detailing the outcome of the investigation and the measures taken to rectify the inaccuracies within the XXXX period mandated by the FCRA. 

Should you require any supporting documentation or additional information from my end to facilitate the investigation, please do not hesitate to contact me at [ ( XXXX ) XXXX ] or [ XXXX ] I am more than willing to cooperate fully and provide any necessary documentation to assist in resolving this matter promptly. 

I trust that you will handle this matter with the utmost professionalism and urgency it deserves, in accordance with the legal obligations imposed on credit reporting agencies under 15 U.S. Code 1681c-2a and 15 U.S. Code 1681b. I look forward to a timely resolution and the subsequent update of my credit report reflecting the accurate and updated information. 

Thank you for your attention to this matter. 

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