Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
Ref CFPB complaint XXXX. XXXX Subject : Demand for Deletion of Inaccurate Account Reporting by XXXX XXXX XXXX XXXX XXXX ( Updated and Corrected ) I am writing to formally notify the Consumer Financial Protection Bureau XXXX CFPB ) of evidence that demonstrates the inaccuracy of reporting by XXXX XXXX XXXX XXXX XXXX on my consumer report. This evidence not only highlights inconsistencies but also directly conflicts with the information being reported, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Charged-off credit card acct no ending XXXX Consumer Report Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> CFPB Report Reference Number : XXXX Disputed Account : XXXX XXXX XXXXXX/XX/XXXX XXXX acct XXXX ending # XXXX Evidence of Inaccurate Reporting : I have obtained documentation and records that prove the reported information regarding the above-mentioned account is inaccurate and does not reflect the true status of the account. Furthermore, conflicting evidence exists that challenges the validity of XXXX XXXX XXXX XXXX XXXX claims and the reporting accuracy. Despite providing this evidence during prior disputes, the inaccuracies have not been corrected. 

Also, Factual evidence found in 31 CFR 357 explains that the balance listed as a debt owed to XXXX is in fact a principal asset owed to the principal 's estate, returnable to the consumer upon request in accordance with 15 USC 1666d Treatment of credit balances.

Violation of FCRA Guidelines : Under the FCRA, consumer reporting agencies and furnishers of information are required to : Conduct Reasonable Investigations : Failure to properly investigate disputes violates 15 U.S. Code 1681i ( a ), which mandates a thorough and reasonable investigation into consumer disputes.

Ensure Accuracy of Consumer Reports : Reporting inaccurate or unverified information contravenes 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum accuracy of the information.

Given the evidence provided, the continued reporting of inaccurate information is unlawful and unjustified under FCRA guidelines.

Demand for Resolution : Based on the clear violations outlined above, I demand the following : Immediate Deletion of the Account : The inaccurate and conflicting reporting by XXXX XXXX XXXX XXXX XXXX regarding this account must be removed entirely from my consumer report. 

Notification of Corrective Action : I request written confirmation once the deletion has been completed and my consumer report has been updated to reflect the correction. 

Request for CFPB Intervention : I urge the CFPB to take immediate action to investigate this matter and enforce compliance with FCRA guidelines. It is imperative that XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies involved are held accountable for their failure to ensure accurate and fair reporting. 

Thank you for your attention to this urgent matter. I trust that the CFPB will address this issue promptly and take the necessary steps to protect my rights as a consumer under federal law. Should you require additional documentation or evidence to assist with your investigation, please do not hesitate to contact me directly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ATTACHMENTS : EXPERIAN XXXX report.png ( 249.9 KB ) XX/XX/XXXX letter.pdf ( 1.8 MB )

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