Consumer complaint received 2025-02-05 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:
I am writing to formally demand the immediate removal of the XXXX XXXX unsecured loan account ( Account # XXXX ) currently listed on my credit report as being in collection status. Despite multiple previous attempts over several months to resolve this issue, the information remains inaccurate and incomplete, which constitutes a clear violation of the **Fair Credit Reporting Act ( FCRA ) **.

Under **15 U.S.C. 1681e ( b ) **, consumer reporting agencies like Experian are required to follow reasonable procedures to ensure the maximum accuracy of the information in consumer credit reports. The information reported for this account does not meet those standards, and I have already made you aware of these issues in prior correspondence. The fact that this issue remains unresolved is unacceptable.

Furthermore, according to **15 U.S.C . 1681i ( a ) **, when a consumer disputes the accuracy of information on their report, the credit reporting agency must conduct a reasonable reinvestigation. If any inaccuracies are found, the information must be corrected or removed promptly. I expect this to be done immediately as this matter has already been raised multiple times, and your failure to act is a direct violation of the law. 

# # # Violations of the Fair Credit Reporting Act ( FCRA ) 1. **Accuracy of Reporting** : Under **15 U.S.C. 1681c ( a ) **, any inaccurate, incomplete, or unverifiable information must be promptly removed or corrected. The account information in question is clearly inaccurate and incomplete and should therefore be removed from my report without delay. 

2. **Deletion of Fraudulent Information** : Per **15 U.S.C. 1681s-2 ( a ) **, furnishers of information are required to ensure the data they report to credit agencies is accurate. If inaccuracies or fraud are identified, the information must be deleted from the consumers credit file. Since this account is erroneous, it must be removed immediately. 

3. **Relevant Case Law** : In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX  ) **, the Supreme Court held that credit reporting agencies are liable for reporting inaccurate information that causes harm to consumers. Similarly, in *XXXX XXXX XXXX** XXXX XXXX was held accountable for failing to correct inaccurate data after being notified, reinforcing the consumers right to accurate reporting. 

# # # Request for Immediate Action The inaccurate and fraudulent information regarding this account has already caused me significant harm, and I insist on its immediate removal from my credit report. If this issue is not resolved promptly, I will escalate the matter by filing formal complaints with both the **Consumer Financial Protection Bureau ( CFPB ) ** Please remove this listed account off my report, immediately.

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