Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Demand for Deletion of Incorrect Items - Violation of the Fair Credit Reporting Act ( FCRA ) I XXXX XXXX am writing to formally dispute the reporting of inaccurate information on my credit report and demand the deletion of these erroneous items. Despite multiple attempts to correct these inaccuracies, Experian has failed to address the issues in compliance with the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, which require accurate reporting and investigation of disputed items. 
Experian has WILLFULLY, KNOWINGLY and DELIBERATELY furnished incorrect information on my report and has acknowledged the information is INCORRECT and TOLD ME THEY REFUSES to delete the account!! 

Background and Issue Description I have contacted XXXX on XXXX separate occasions to dispute the following account ( s ) due to an incorrect last payment date and repeated charge-off notations, which are not only inaccurate but also misleading. I have ask Experian to provided supporting documentation, including receipts of payment, that clearly demonstrate the actual dates and status of my account ( s ). Despite this, Experian has negligently continued to report this incorrect information, which is damaging my credit report and overall credit score. 

The FCRA requires Experian to conduct a reasonable investigation within 30 days of receiving a dispute. However, by failing to correct or remove these inaccuracies after multiple dispute submissions, Experian has violated its legal obligations under the FCRA. Therefore, I am formally demanding the deletion of the disputed items as a corrective action. 

Account Information Creditor Name : XXXX XXXX  Type of Error : Incorrect last payment date and repeated reporting of charge-off status FCRA Violations Under the Fair Credit Reporting Act : 1. Section 611 obligates credit reporting agencies to perform a reasonable investigation of disputed items and correct inaccuracies. 
2. Section 623 requires furnishers of information to ensure data reported is one hundred percent COMPLETE and one hundred percent ACCURATE!!!!! 


Experian repeated failure to accurately report the information on my credit report violates these sections, as I have provided sufficient evidence to verify the details of this account are INACCURATE AND INCOMPLETE. By ignoring these INACCURACIES Experian has also failed in its duty of care, resulting in an unjustifiable negative impact on my credit score. 

I Demand for Immediate Deletion I am requesting that Experian : Immediately delete the inaccurate items as outlined in this dispute. 
Provide a confirmation letter acknowledging the deletion of these items within 15 days of receiving this letter. 

Thank you for your prompt attention to this matter. I expect your immediate compliance with my request for deletion, as outlined above.

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