Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing regarding the credit reporting status of the account listed below. The companys involved has previously confirmed that this account would be removed from my credit report. However, the tradeline continues to appear on my credit report with one or more of the credit reporting agencies. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of credit information have a legal obligation to provide accurate information to credit reporting agencies and to promptly update or correct any information that is determined to be inaccurate. Because your company has already confirmed that this account is to be deleted, continued reporting may constitute inaccurate or misleading reporting under federal law. Therefore, I am requesting that your company immediately : 1. Submit a deletion request to Experian , XXXX, and XXXX. 2. Confirm in writing that the tradeline has been removed. 3. Ensure that no further reporting of this account occurs. If this matter is not corrected promptly, I may be forced to escalate the issue through regulatory complaints with the Consumer Financial Protection Bureau and other appropriate regulatory agencies. I appreciate your prompt attention to this matter and look forward to written confirmation once the deletion request has been processed. I am filing this complaint regarding inaccurate information currently being reported on my credit file. The creditor associated with the account referenced below has already confirmed that the account will be deleted from my credit report. However, the tradeline continues to be reported on my credit file through your bureau. Despite receiving confirmation that this account would be removed, it remains on my credit report. This constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information. Additionally, under 15 U.S.C. 1681i, once a dispute is submitted, the credit reporting agency is required to conduct a reasonable reinvestigation and remove or correct any information that can not be verified as accurate. Since the creditor has already confirmed that the account will be deleted, continued reporting of this tradeline is inaccurate and harmful to my credit profile. I am requesting the following actions : 1. Immediate deletion of the inaccurate tradeline from my credit report. 2. Confirmation in writing that the account has been permanently removed. 3. An updated copy of my credit report reflecting this correction. Supporting documentation showing the creditors confirmation of deletion is attached. Failure to correct inaccurate information after being notified may constitute non-compliance with the Fair Credit Reporting Act. I appreciate your prompt investigation and resolution of this matter.

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