Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I am writing to formally dispute several charge-off accounts and hard inquiries listed on my credit reports with both Experian and XXXX due to negligence and noncompliance. The following accounts listed below have already been deleted from my credit report by XXXX, and MUST be deleted from Experian and XXXX as well. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 1681n, both Experian and XXXX are legally required to ensure that the information reported on my credit file is accurate, complete, and up-to-date. Since XXXX has removed these charge-off accounts and hard inquiries from my credit report, Experian and XXXX must do the same and promptly delete these erroneous accounts. 

The following accounts that must be removed from my credit reports on Experian and XXXX immediately are as follows : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX ( CLOSED ) Account Number : XXXX XXXX XXXX XXXX  ( CLOSED ) Account Number : XXXX XXXX XXXX XXXX  ( CLOSED ) Account Number : XXXX XXXX XXXX XXXX ( CLOSED ) Account Number : XXXX XXXX It is negligent and non-compliant for both Experian and XXXX to continue reporting this inaccurate information. In compliance with the Fair Credit Reporting Act, these accounts must be removed immediately. 

In addition, the following hard inquiries have been removed from my XXXX credit report and must also be removed from my Experian and XXXX reports : Experian XXXX XXXX Inquired XXXX  XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired XXXX  XX/XX/XXXX XXXX XXXX Inquired XXXX XXXXXX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XXXXXX/XX/XXXX XXXX Inquired XXXX  XX/XX/XXXX XXXX XXXX  Inquired XXXX  XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX I have repeatedly contacted both Experian and XXXX regarding these discrepancies , yet these credit reporting agencies have refused to acknowledge or remove the inaccurate information from my credit reports. This is a clear violation of the Fair Credit Reporting Act, including the continuous reporting of " CO '' for charged-off accounts and the improper extension of the XXXX-year reporting period for these accounts to be dropped from my report. 

Furthermore, the reporting of incorrect credit limits on charged-off accounts is also a violation of consumer law. The continued presence of these accounts on my credit reports despite their removal from my XXXX report is due to negligence and non-compliance. 

I have attached copies of my personal documents to verify my identity, along with screenshots of these violations in PDF format, and my most up to date Credit Reports from all three Credit Reporting Agencies. 

Please, for the last time, remove these negligent and non-compliant accounts and hard inquiries from my credit reports immediately. I expect to receive written confirmation of their removal within XXXX  days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX