Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I am writing to dispute the continued reporting of accounts on my credit report that have not been properly verified, despite my requests for investigation. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Procedures in case of disputed accuracy ), you are required to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I have not received proper written notice of the results of any investigation, which is a violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( Notification of results of reinvestigation ).

Furthermore, I question how you can verify that these accounts truly belong to me if you are not conducting a thorough investigation. If you can not provide documented proof of these accounts validity, you are legally obligated to remove them from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) ( Requirement to delete or modify information that can not be verified ). 

Additionally, I request that you remove any hard inquiries not associated with an open account, particularly those made within the last six months. Under 15 U.S.C. 1681b ( Permissible purposes of consumer reports ), inquiries can only be made with my explicit consent, and I have not applied for new credit recently. With the recent nationwide data breach in which my Social Security number was exposed, its possible that credit was applied for in my name without my knowledge.

Lastly, please ensure the removal of any duplicate information from my credit report, as accuracy is required under 15 U.S.C. 1681e ( b ) ( Compliance procedures ).

I trust you will follow the law and promptly investigate and correct the errors in my credit report. Failure to comply may result in further action to protect my rights. 

Account ( XXXX ) listed below : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I am writing to dispute the continued reporting of this account that was settled. As part of the settlement agreement with the company, they confirmed that they would no longer report this account on my credit report. Despite this, the account is still being reported. 
Please remove this account immediately, as its continued reporting is inconsistent with the terms of the settlement. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX this account that was paid in full. The account should reflect a XXXX balance, yet it continues to report an outstanding balance, which is inaccurate. 

If the credit bureaus or the creditor are unable to update the information to accurately reflect the paid status, I request that the account be removed or deleted from my credit report, as required by the Fair Credit Reporting Act ( FCRA ). 

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  This account was previously removed from my credit report but has since been reinserted without proper notice. I was not notified of the reinsertion, which is a violation of my consumer rights under the Fair Credit Reporting Act. I kindly request that this issue be addressed immediately. 

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  this account was sold to a debt buyer. 

I am also writing to request the removal of outdated and incorrect personal information from my credit report. Specifically, I have noticed that old and unverified addresses are still being reported. The only address that should be listed on my credit report is my current address. 

Please remove any old or unverified addresses, as they do not accurately reflect my current information. Thank you for your prompt attention to this matter. Old addresses are listed below : 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 Thank you for your prompt attention to this matter.