Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Incorrect Information Due to Violations of the FCRA and CFPA Dear, CFPB Representative, I am writing to you under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 and 5536 ) to formally dispute and demand the immediate removal of negative accounts from my credit report.

I have been a victim of your unfair practices and demand the immediate removal of these negative accounts. 

I have been directly affected by multiple violations of the law committed by your company, as already recognized by the Consumer Financial Protection Bureau ( CFPB ). Due to your negligent and fraudulent practices, my credit history has been severely damaged, causing me financial and personal harm. 

As a result of your errors and failures in managing credit information, I demand the immediate removal of all negative accounts reported on my credit file. 

Violations Committed by Your Company 1. Failure to Conduct a Proper Investigation of My Disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) I submitted disputes regarding incorrect information on my report, but your company failed to conduct a fair investigation or correct the errors.

2. Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Some negative accounts that were previously removed have reappeared on my report without justification or prior notification.

3. Inaccurate Reporting and Lack of Quality Controls ( 15 U.S.C. 1681e ( b ) ) Your company is required to maintain procedures to ensure the accuracy of credit reports. However, due to defective systems and verification failures, my credit history has been unfairly damaged. 
4. Deceptive Practices in Communication with Consumers ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) In response to my disputes, I have received contradictory and misleading information, which constitutes an illegal practice.

Negative Accounts That Must Be Removed Below are the accounts that have been incorrectly reported and that I demand be immediately removed from my credit report : XXXX  XXXX ( Partial Account Number : XXXX ) Incorrect information, reporting error. 
XXXX  XXXX ( Partial Account Number : XXXX ) Incorrect information, reporting error. 
The XXXX XXXX XXXX Partial Account Number : XXXX ) Failure to properly investigate my dispute. 

I Demand Immediate Action Since the CFPB has already fined XXXX {$15.00} XXXX and has sued Experian for these same practices, your company has already been found guilty of these violations. 

Therefore, I demand the following : 1. Immediately remove all negative accounts listed in this letter.

2. Provide me with an updated credit report reflecting these changes.

3. Cease any reinsertion of incorrect information in my credit history. 

If you fail to comply with this request within the legal 30-day period under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), I will file a formal complaint with the CFPB and consider legal action for damages. 

I have attached copies of supporting documents for my claim and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

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