Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To whom it may concern : I am writing to formally dispute the accuracy of certain items listed on my Experian credit report. These items were previously investigated and resolved, but they have been reinserted without proper notification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Negative Remarks to Dispute : XXXX XXXX XXXX Account Number : XXXX Status : Account charged off. {$7900.00} written off. {$7900.00} past due as of XX/XX/XXXX. 
Balance : {$7900.00} Date Reported : XX/XX/XXXX Past Due Amount : {$7900.00} Remarks : CONSUMER STATEMENT LITIGATION PENDING. 
Payment Status : Collection/Chargeoff XXXX XXXX Account Number : XXXX Status : Account charged off. {$4500.00} written off. {$4500.00} past due as of XXXX XXXX. 
Balance : {$4500.00} Date Reported : XXXX XXXX, XXXX Past Due Amount : {$4500.00} Remarks : CONSUMER STATEMENT LITIGATION PENDING. 
Payment Status : Collection/Chargeoff XXXX XXXXXXXX XXXX Account Number : XXXX Status : Account charged off/Never late. {$93.00} written off. {$93.00} past due as of XXXX XXXX. 
Balance : {$93.00} Date Reported : XXXX XXXX, XXXX Past Due Amount : {$93.00} Remarks : CONSUMER STATEMENT LITIGATION PENDING. 
Payment Status : Collection/Chargeoff These accounts were previously deleted following my disputes, as confirmed by responses to my complaints filed through the Consumer Financial Protection Bureau ( CFPB ). The complaint numbers and response dates are as follows : CFPB Complaint No. XXXX, confirming deletion of disputed items related to identity theft. 
CFPB Complaint No. XXXX, confirming deletion of disputed items related to identity theft. 
CFPB Complaint No. XXXX, confirming deletion of disputed items related to identity theft. 
I am formally challenging you to review your data on file for me. I insist that you comply with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681i ) and XXXX XXXX compliance standards to ensure the accuracy of the information reported about me. I also request that you remove any and all false accounts from your records immediately. Only factually accurate, verified, and compliant data should be documented and included on my credit report from now on. 
Below is a summary of the data I am challenging : XXXX XXXX XXXX ) Account Number : XXXX Account Status : Collection/ChargeOff Balance Owed : {$1900.00} XXXX XXXX XXXX ( XXXX ) Account Number : XXXX Account Status : Collection/ChargeOff Balance Owed : {$1300.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Account Status : Collection/ChargeOff Balance Owed : {$1000.00} XXXX XXXX ( XXXX XXXX Account Number : XXXX Account Status : Collection/ChargeOff Balance Owed : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number XXXX XXXX Account Status : Collection/ChargeOff Balance Owed : {$34000.00} XXXXXXXX XXXX XXXX  ( XXXX ) Account Number : XXXX Account Status : Collection/ChargeOff Balance Owed : {$4500.00} XXXX XXXX XXXX ( XXXX ) Account Number : XXXX Account Status : Collection/ChargeOff Balance Owed : {$2400.00} XXXX XXXX ( XXXX ) Account Number : XXXX Account Status : Collection/ChargeOff Balance Owed : {$2400.00} I insist that you comply with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681i ) and XXXX XXXX compliance standards to ensure the accuracy of the information reported about me. The following accounts and inquiries must be verified or deleted : XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX, XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX Personal Information Corrections : Name : Please delete any names in your system that do not match XXXX XXXX XXXX. 
Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX Please delete any addresses in your system that do not match this address. 
The information listed above has not been verified to meet compliance reporting standards or applicable consumer laws. I demand that this information be deleted immediately, as it is deficient. 
Experian 's reinsertion of these accounts without proper notification is not only a breach of my rights but also has a significant negative impact on my credit score and financial standing. I demand that these accounts be immediately deleted from my credit report. Failure to do so will leave me with no choice but to seek legal action to protect my rights. 
I am enclosing copies of the relevant documents, including previous dispute letters and responses from Experian confirming the deletions. I am keeping detailed records of all communications regarding this matter. 
Please investigate this issue promptly and confirm in writing that these negative items have been permanently removed from my credit report. 
Sincerely, XXXX XXXX XXXX