Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Incorrect Information in Credit Report Request for Deletion of Security Credit Services Account Dear Experian : I am writing to you regarding the information reported in my credit report, specifically the account reflected under the name of XXXX XXXXXXXX XXXX with account number XXXX. According to my report, this account was opened on XX/XX/XXXX, with an original balance of {$630.00} and a current balance of {$780.00}. The account has been incorrectly labeled as an active collection and currently shows a derogatory status with a past due balance of {$780.00} from XX/XX/XXXX. 
However, I have received an official letter from XXXX XXXX XXXX ( attached in this correspondence ) dated XX/XX/XXXX, in which the Audit and Compliance XXXX, XXXX XXXX XXXX, clearly states that they have decided to close my account and move it to an inactive status. Despite this confirmation, the information on my report has not been correctly updated and continues to be erroneously reflected as a debt in active collection. 
This letter demonstrates that the information currently reported by you is inaccurate and does not reflect the true status of the account. Pursuant to the Fair Credit Reporting Practices Act ( FCRA, 15 U.S.C. 1681 ) and the California Consumer Privacy Act ( CCPA ), I request that you carefully review the attached documentation and proceed to remove this incorrect account from my record.

Legal Basis : 1. 15 U.S.C. 1681e ( b ) : Credit bureaus have an obligation to ensure the highest possible accuracy of data in consumer reports. The fact that this account continues to be reported as active, despite the creditor 's confirmation that it is closed and inactive, violates this section.

2. 15 U.S.C. 1681i : Credit bureaus are required by law to conduct full inquiries and to correct or remove information that can not be verified. In this case, the letter from XXXX XXXX XXXX serves as proof that the account should be removed. 
3. California Consumer Protection Act ( CCPA ) : Under the CCPA, consumers have the right to request removal of any inaccurate information and to receive specific details about how the information was verified. 
Relevant Case Law : In the case of Richardson v. Fleet, 190 F. Supp. 2d 81 ( D. Conn. 2002 ), it was ruled that credit bureaus must conduct independent investigations and not rely solely on creditor verification. Experian 's generic response and lack of correction violate this guideline. 
Deletion Request : I request that you remove the account under the name XXXX XXXX XXXX with account number XXXX from my credit report immediately. If you decide to keep it, I demand that you send me complete documentation proving the veracity of this account and justifying its status as an " active collection '' despite being closed. 
I am attaching to this letter the official response from XXXX XXXX XXXX as proof that this account has been closed and should no longer be reported on my credit history.

Attached Documents : Letter from XXXX XXXX XXXX confirming the closure of the account and its inactivity. 

I look forward to your prompt response and written confirmation of the deletion of the account within the time period stipulated by law.