Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XX/XX/XXXX Experian Subject : Urgent Request for Deletion of Incorrect Information on Credit Report ( Account : XXXX XXXX XXXX, Account Number : XXXX  ) I am writing to urgently request the deletion of incorrect information on my credit report under the Fair Credit Reporting Act ( FCRA ). Despite multiple reinvestigations, Experian has failed to correct the inaccuracies in the XXXX XXXX XXXX account, and the information remains incorrect, violating my consumer rights. 

**Account Information : ** - Account Holder : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX Account Number XXXX XXXX - Disputed Information : Charge-off status, amount past due, payment history, and account closure details **Details of Discrepancy : ** As previously stated, the XXXX report dated XX/XX/XXXX, shows : - Reported Date : XX/XX/XXXX - Balance : {$24.00} - Credit Limit : {$750.00} - Payment History : 81 % on-time - Current Status : Charge-off - Amount Past Due : {$12.00} - Account Closed : XX/XX/XXXX - Remarks : Consumer disputes- reinvestigation in progress However, Experian 's report presents conflicting information : - Balance Updated : XXXX. XXXX, XXXX - Payment History : Account charged off in XX/XX/XXXX and XX/XX/XXXX ; various late payments from XX/XX/XXXX to XX/XX/XXXX - Status Updated : XX/XX/XXXX - Highest Balance : {$34.00} - Last Payment Date : XXXX. XXXX, XXXX Despite the reinvestigation completed in XX/XX/XXXX, Experian failed to provide documentation of the investigation or inform me of the entities it contacted to verify the information, which violates 15 U.S.C. 1681i and 15 U.S.C. 1681c-2. **Violations Noted : ** - **15 U.S.C. 1681i** : Req
uires that credit reporting agencies conduct a reasonable reinvestigation of disputed information and provide the results of the reinvestigation. 
- **15 U.S.C. 1681c-2** : States that if information is found to be inaccurate, it must be corrected or deleted. Furthermore, the consumer must be informed of the entities contacted during the reinvestigation. 
- **FCRA 605B ( 15 U.S.C. 1681c-2 ) ** : Experian has failed to provide documentation or details of their investigation, hindering my ability to verify and follow up on their findings. 

Given that the discrepancies remain unresolved despite multiple reinvestigations and the failure to provide documentation, it is evident that the information can not be verified as accurate. This willful non-compliance with the FCRA warrants the removal of this account from my credit report. 

I kindly request that you : XXXX. Delete the incorrect XXXX XXXX XXXX account information from my credit report immediately. 
XXXX. Provide me with an updated copy of my credit report reflecting this change. 

Enclosed are copies of my credit report from both Experian and XXXX, highlighting the discrepancies for your reference. 

Please respond to my dispute immediately Enclosures - Copy of Credit Report from Experian - Copy of Credit Report from XXXX - Highlighted discrepancies