Consumer complaint received 2024-09-03
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Complaint Regarding Inaccurate Reporting of XXXX XXXX XXXX Account by Experian and XXXX Dear CFPB Representative, I am writing to formally lodge a complaint against both Experian and XXXX for their failure to correct inaccurate information regarding my XXXX XXXX XXXX account, despite the successful deletion of this account from my XXXX report. I believe this issue directly violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Account Information : XXXX XXXX XXXXXXXX XXXX  Account # : XXXX XXXX High Balance : {$3600.00} ( XXXX ) XXXX  Balance Owed : {$0.00} XXXX  Date of Last Activity : XX/XX/XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) XXXX  Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) XXXX Closed Date : XX/XX/XXXX ( XXXX ) XXXX Account Rating : Paid ( Both ) XXXX Dispute Status : Account not disputed ( Both ) XXXX Account Description : Bank Credit Cards ( Both ) XXXX Account Status : Closed ( Both ) XXXX  Payment Status : Collection/Chargeoff ( Both ) XXXX  Creditor Remarks : Payment after charge off/collection ( XXXX ), Unpaid balance reported as a loss by credit grantor ( Experian ) XXXX Credit Limit : {$3000.00} ( Both ) Background : On my last dispute round, XXXX successfully deleted this account from my credit report based on the inaccuracies presented. However, despite providing the same documentation and information to both Experian and XXXX, these agencies have refused to delete the account, leaving inaccurate and potentially damaging information on my credit report. 
Violations : This situation represents a clear violation of 15 U.S. Code 1681i, which outlines the procedures that credit reporting agencies must follow in the case of disputed accuracy. Under this law, when a consumer disputes the accuracy of information on their credit report, the credit reporting agency is required to : 1. Conduct a reasonable investigation of the dispute. 
2. Review all relevant information provided by the consumer.

3. Correct or delete inaccurate, incomplete, or unverifiable information. 
Experian and XXXX have failed to fulfill their obligations under this statute by not correcting or deleting the inaccurate information associated with my XXXX  XXXX XXXX account, despite the same account being removed from my XXXX report. 
Resolution Sought : I request that the CFPB intervene and ensure that Experian and XXXX adhere to the requirements set forth under 15 U.S. Code 1681i. Specifically, I ask that both credit reporting agencies : 1. Immediately delete the inaccurate XXXX  XXXX XXXX account from my credit reports. 
2. Provide written confirmation of the deletion. 
3. Take steps to ensure that such violations do not occur in the future. 
Please find attached the relevant documents, including my previous dispute letters, responses from the credit bureaus, and a copy of my current credit report showing the discrepancies. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX XXXX XXXX