Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint Incorrect Collection Account Reporting Despite Court Dismissal To Whom It May Concern, I am filing a formal complaint against [ Credit Bureau XXXX XXXX XXXX XXXX, XXXX, and/or Experian ] for their continued reporting of a collection account that was dismissed in court, ruling that I do not owe this debt. This inaccurate reporting violates my rights under federal law and must be corrected immediately. 

Details of the Disputed Account : * Creditor Name : XXXX XXXX XXXX  SD * Account Number : XXXX * Court Case Number : XXXX * Court Dismissal Date : XX/XX/year> The court dismissed the case on XX/XX/year>, legally determining that I do not owe this balance. Despite this ruling and my previous dispute submissions, the credit bureaus have failed to remove this collection account from my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.

Legal Violations : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) * The FCRA requires that all credit report information be accurate and up to date. Reporting a nonexistentdebt after a court dismissal is inaccurate and misleading, violating my rights.

2. FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * Credit bureaus must promptly investigate and correct inaccurate information. Since I have provided official court dismissal documents, failure to delete this account violates this law.

3. FCRA 15 U.S.C. 1681e ( b ) * Credit reporting agencies must maintain maximum possible accuracy in credit files. Keeping an invalid collection account on my report fails to meet this standard.

4. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) * Debt collectors and credit bureaus can not report false or misleading information to credit agencies. Since this account has been legally dismissed, its continued reporting is a violation of federal law.

Requested Action : I demand the immediate deletion of this account from my credit report and written confirmation of its removal. This incorrect reporting is unfairly damaging my credit score and financial reputation.

Supporting Documents Attached : * Court dismissal order confirming the case outcome * Previous dispute letters and responses from the credit bureaus * Current credit report showing the inaccurate collection account Failure to remove this account constitutes noncompliance with federal law, and I expect immediate corrective action. If this issue is not resolved promptly, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action. 
I appreciate your immediate attention to this matter and look forward to your response. 

Sincerely, 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