Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
I am submitting this formal dispute regarding inaccurate information on my credit report as maintained by Equifax and request that the incorrect accounts be deleted from my credit report. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK OF XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX As per the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), credit reporting agencies are required to maintain accurate records and procedures designed to ensure the maximum possible accuracy of the information they report. However, the above-listed accounts have been repeatedly updated and stated as " verified '' multiple times. If these accounts were indeed verified and accurate, there would be no need for continuous updates and corrections.

Despite multiple updates, discrepancies remain across different credit bureaus, indicating that the information is not consistent or accurate. Furthermore, there is no indication or proof provided by the credit bureau as to how the information was verified, as required by Section 611 ( a ) of the FCRA. This failure to provide proper verification only reinforces my belief that the information is inaccurate and unverifiable.

Under FCRA Section 611 ( a ), when a consumer disputes inaccurate information, the credit bureau is obligated to conduct a reasonable investigation and provide evidence of verification. Since no such verification has been provided, I assert that the disputed accounts are inaccurate and unverifiable. As a result, these accounts should be deleted from my credit report in accordance with the law.

Additionally, FCRA Section 609 grants me the right to request documentation explaining how the disputed information was verified. However, the credit bureau has not provided this information. Without proper verification, the information remains inaccurate and unverifiable, thereby violating my rights under the FCRA. 

Therefore, I request that : The inaccurate accounts listed above be deleted from my credit report, as they are unverifiable and do not meet the accuracy standards required by law. 

A corrected version of my credit report be issued, reflecting the removal of these accounts. 

Any related negative impacts on my credit score caused by these inaccuracies be addressed immediately. 

I respectfully request your intervention to ensure that my rights under the FCRA are upheld and that these inaccuracies are corrected or deleted from my credit report. If these accounts are not deleted within the required XXXX investigation period, I will consider further legal actions, including but not limited to escalation to state regulators and pursuing claims for damages resulting from the failure to comply with the law. 

Thank you for your time and assistance in this matter. I look forward to your prompt response and the resolution of this dispute. 

Sincerely,

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