Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The account XXXX XXXX XXXX  isnt right on my credit report. Its showing a rating of CollectionOrChargeOff, but that cant be true! You say it was opened on XXXX with a date of last activity as XXXX, but this info is incorrect. I want it deleted now! You also claimed it was last verified on XXXX. Under 15 U.S.C. 1681i, I have the right to know how you checked this. Please share that info with me. Plus, show me proof of the {$900.00}, since I know I dont owe this. By the way, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) said wrong stuff needs to be removed. Please take care of this.My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in itUnder 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain and report only accurate information. I also request that you provide me with the specific documentation used to verify this account, along with evidence supporting the {$900.00}, as I firmly dispute this amount. The significance of ensuring accurate reporting was notably emphasized in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ). In this case, the court found that failing to conduct a reasonable investigation into disputed accounts was a violation of the FCRA, resulting in damages awarded to the plaintiff. This ruling underscores your obligation to ensure the accuracy of the information reported about my account. Furthermore, in XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ), the court highlighted that credit reporting agencies must promptly remove information that is inaccurate or can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation