Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: IL
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:
Experian Credit Reporting Agency XXXX XXXX XXXX XXXX, TX XXXX Subject : Credit Dispute - Request for Removal of Inaccurate Information Dear Sir/Madam, I am writing to dispute certain information on my credit report that I believe to be inaccurate, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 1 ) ( B ). The FCRA, 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

It has come to my attention that there are remarks related to an account with XXXX XXXX, which I believe to be incorrect and misleading. I have made numerous attempts to resolve this matter directly with XXXX XXXX but have been unsuccessful in obtaining any satisfactory resolution. In accordance with Section 623 ( a ) ( 1 ) ( B ) of the FCRA, I have previously notified XXXX XXXXXXXX of my dispute regarding the completeness or accuracy of the information reported. 

I kindly request that you take immediate action to remove the following credit remarks from my personal credit report : Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt. XXXX} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$370.00} Balance Updated : XX/XX/XXXX Original Balance : $ XXXX  Monthly Payment : - Past Due Amount : {XXXX  Terms : 18 Months Responsibility : Individual I would like to emphasize that I have made several attempts to communicate with XXXX XXXX regarding this account, specifically requesting proof of the account 's association with my identity. Despite spending extensive time on the phone with their customer service representatives, including speaking to multiple managers, I have not received any satisfactory resolution or clarification. I believe this account has been incorrectly assigned to me, and I have no knowledge or involvement with it. 

As per Section 623 ( a ) ( 1 ) ( B ) of the FCRA, if a consumer notifies a furnisher XXXX XXXX XXXX XXXX of their dispute regarding the completeness or accuracy of any information reported, the furnisher is prohibited from subsequently reporting that information to a Consumer Reporting Agency ( CRA ) without providing notice of the dispute. Therefore, I request that you take immediate action to remove this inaccurate and misleading information from my credit report, as it is negatively impacting my creditworthiness and financial standing. 

I kindly request that Experian Credit Reporting Agency thoroughly investigate this dispute and update my credit report accordingly, reflecting the accurate and factual information. Enclosed with this letter, please find supporting documents that substantiate my claims, including copies of correspondence and records of my attempts to resolve this matter with XXXX XXXX. These documents highlight my repeated requests for proof of the account 's association with my identity and the failure of XXXX XXXX to provide the requested information. 

I appreciate your attention to this matter and your compliance with the FCRA 's provisions. The FCRA aims to ensure that consumer credit reports are accurate and fair, and that personal information is handled with privacy and integrity. I trust that Experian Credit Reporting Agency will fulfill its obligations under the FCRA by conducting a thorough investigation and taking prompt action to remove the inaccurate information from my credit report. 

Please provide written confirmation once the necessary actions have been taken to resolve this dispute and remove the inaccurate information from my credit report. If additional information is required, please do not hesitate to contact me. I am committed to cooperating fully to resolve this matter and restore the accuracy of my credit report.

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