Consumer complaint received 2025-01-17 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: FL

Complaint narrative:
I am reaching out to formally request an immediate review and removal of inaccurate and unauthorized information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right as a consumer to ensure that my credit report contains only accurate, verifiable, and legally reported information. 
Upon reviewing my credit report, I have identified multiple discrepancies that are unfairly impacting my financial standing. Below, I have outlined the erroneous accounts that must be corrected without delay : 1. Charge-Off Accounts ( Immediate Removal Required ) The following accounts are incorrectly listed as " Charge-Offs '' on my credit report and do not meet the accuracy and verifiability requirements set forth by the FCRA ( 15 U.S. Code 1681i and 1681e ( b ) ). Therefore, I demand their immediate removal : -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX ( Account : XXXX ) XXXX. Closed Account with Late Payment Marks ( Correction Required ) My credit report reflects a closed account with late payment marks, which is unfairly damaging my credit score. As per 15 U.S. Code 1681b and 1681c, the information reported must be accurate and fair. I request an immediate review and removal of these negative marks : XXXX XXXX XXXX ( Account : XXXX ) 3. Unauthorized Collection Accounts ( Immediate Removal Required ) I have discovered that certain collection accounts appear on my credit report without my authorization or consent. According to 15 U.S. Code 1681s-2 ( a ), data furnishers are required to ensure the accuracy of the information they report. These accounts must be removed immediately : -XXXX XXXX XXXX  ( Account : XXXX ) -XXXX XXXX XXXX  ( Account : XXXX ) Legal Basis for My Request The presence of these errors on my credit report constitutes a violation of several provisions under the FCRA, including : 15 U.S. Code 1681b Governs permissible purposes for accessing and reporting information on a consumers credit report.

15 U.S. Code 1681i Requires credit bureaus to investigate and correct disputed information.

15 U.S. Code 1681s-2 Obligates furnishers to ensure the accuracy of reported information.

15 U.S. Code 1681e ( b ) Mandates credit reporting agencies to maintain maximum possible accuracy. 
Supporting Documentation Attached To substantiate my request, I have attached the following documents : Identity theft report filed with the Federal Trade Commission ( FTC ).

Letter sent to the Buro agency and proof of my iD Documentation highlighting the inaccuracies in my credit report. 
Actions I Expect from CFPB support to Experian Given the above, I formally request the following corrective actions : Immediate deletion of the unauthorized hard inquiries.

Immediate removal of the unauthorized collection accounts.

Deletion of the incorrectly reported charge-off accounts.

Written confirmation that these corrections have been completed.

Next Steps if No Resolution is Provided I trust that Experian will comply with its legal obligations and correct these errors as soon as possible. However, if I do not receive a timely response, I will be left with no choice but to escalate this matter further by filing additional complaints with the XXXX XXXX XXXX XXXX XXXX ), the XXXX  Attorney Generals Office, and other regulatory authorities. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Please confirm receipt of this request and provide a timely update on the corrective actions taken.

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