Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

Since last year Ive disputed the following accounts on my credit report and still they remain after these debts were fully paid under the agreement that they would be removed off my credit report. Im dealing with frustration after sending letters that were 30 days past due since last year. And again no response from this year XX/XX/2023 I am writing to dispute the inaccurate reporting of certain accounts on my credit reports provided by XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and Experian, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b, 15 U.S. Code 1681 ( i ) ( 5 ) ( a ) ( i ) ( ii ), and 15 U.S.C. 1692, as well as the FDCPA 811 [ 15 USC 1692i ] and FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ]. 
Upon reviewing my credit reports obtained from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Experian, I have identified several accounts that were inaccurately reported as unpaid or delinquent, despite being paid and settled in full. These inaccurate reports have adversely affected my credit score and financial standing.

As per 15 U.S. Code 1681b, consumer reporting agencies such as Experian are required to ensure the maximum possible accuracy of the information contained in consumer credit reports. Additionally, under 15 U.S. Code 1681 ( i ) ( 5 ) ( a ) ( i ) ( ii ), they are required to promptly delete or modify inaccurate or incomplete information.

Furthermore, the inaccurate reporting of paid and settled accounts may also constitute violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, including sections FDCPA 811 [ 15 USC 1692i ] regarding legal actions by debt collectors, and FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] regarding liability.

I am enclosing copies of documentation, including payment receipts and settlement agreements, which clearly demonstrate that these accounts have been paid and settled in full. I request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Experian conduct a thorough investigation into these matters as mandated by the FCRA and take the necessary steps to correct the inaccurate reporting of these accounts promptly.

I request that you provide me with written notification of the results of the investigation and any actions taken as a result. Additionally, please provide me with updated copies of my credit reports reflecting the corrections made after the completion of the investigation.

Failure to address these inaccuracies and adhere to the FCRA 's requirements may result in further legal action, including but not limited to pursuing remedies available under the law. These are the following accounts that should not be shown as Potentially negative when they were never late and paid off! 
Experian 15 U.S. Code 1681 ( a ) PAID : XXXX XXXX XXXX XXXX ACCOUNT # XXXX PAID : XXXX XXXX ACCOUNT # XXXX PAID : XXXXXXXX XXXX  ACCOUNT # XXXX PAID : XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX PAID : XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX Thank you for your prompt attention to this matter. I expect a swift resolution and the accurate representation of my credit history.