Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Please accept this formal letter as a request to investigate and remove inaccurate items from my consumer report, which are closed accounts that are inaccurately reporting on my consumer report hindering me from obtaining a mortgage.

It has come to my attention that your company is reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that its the responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681 ( d ), to third parties.

According to Federal Law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681, et seq., including but not limited to : 1 ) Follow Reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( breaking down the requirements of 1681e ( b ), and explaining that assure means to make certain : put beyond all doubt, maximum means to the greatest quantity or highest degree attainable.

2 ) Comply with the investigation requirements, as required by 15 U.S.C. 1681i ; For your convenience, provided below are a list of accounts that need to be removed as stated by the FCRA standards. These listed accounts have been investigated, not verified, and removed by XXXX XXXX XXXX. Please correct this by removal of these items from my consumer report so that my report reflects maximum accuracy. I have never given my written consent for these inaccurate items to be furnished on my private personal consumer report. Thank you.

Upon competition of your adhering to my request, please send a detailed description of the procedures used to VERIFY the accuracy of the accounts/items I am disputing, as well as the name and contact information of the agent conducting the said investigation, incase further action/communication is necessary if you dont not adhere to my request.

Please remove these accounts from my Consumer report so my report can show maximum accuracy : XXXX XXXX Account # XXXX - Date Opened XX/XX/XXXX Please verify this account, I would like to dispute the accuracy of this account, the balance is incorrect, the payment history is incorrect, the opening date is incorrect. Please delete this credit card account from my file. 
XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Please verify this account, I would like to dispute the accuracy of this account, the balance is incorrect, the payment history is incorrect, the opening date is incorrect. Please delete this credit card account from my file. 
XXXX XXXX Account # XXXX Opened XX/XX/XXXX - Please verify this account, I would like to dispute the accuracy of this account, the balance is incorrect, the payment history is incorrect, the opening date is incorrect. Please delete this credit card account from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Please verify this account, I would like to dispute the accuracy of this account, the balance is incorrect, the payment history is incorrect, the opening date is incorrect. Please delete this credit card account from my file. 
XXXX Account XXXX Open XX/XX/XXXX ( open date incorrect ) - Please verify this account, I would like to dispute the accuracy of this account, the balance is incorrect, the payment history is incorrect, the opening date is incorrect. Please delete this credit card account from my file. 
XXXX XXXX  XX/XX/XXXX ( open date incorrect ) - Please verify this account, I would like to dispute the accuracy of this account, the balance is incorrect, the payment history is incorrect, the opening date is incorrect. Please delete this credit card account from my file. 
I understand your company will need some sort of verification to prove my identity. My information is clearly show below. Also included in this letter are a copy of my Drivers License & Social Security Card.