Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Final Demand for Removal of Inaccurate Collection Accounts Dear Experian, This letter serves as my formal dispute and final demand for the immediate removal of two erroneous collection accounts reported by XXXXXXXX XXXXXXXX, which are damaging my credit report and financial well-being : 1. XXXXXXXX XXXXXXXX - Account Number : XXXX ( Balance : {$4600.00}, Opened : XX/XX/XXXX ) 2. XXXXXXXX XXXXXXXX - Account Number : XXXX ( Balance : {$1000.00}, Opened : XX/XX/XXXX ) Although these debts may be technically valid, the reporting of these accounts is not in compliance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws governing consumer protection and debt collection. 

Violations and Legal Grounds for Immediate Deletion : FCRA 611 ( 15 U.S.C. 1681i ) : As a credit reporting agency, Experian has a legal obligation to conduct a reasonable investigation when a consumer disputes any entry. Despite my prior disputes, you have failed to investigate properly, as evidenced by the continued presence of these harmful entries. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) : Furnishers of information are required to report accurate and complete information. It is now clear that XXXXXXXX XXXXXXXX has not verified the accuracy of these accounts per your obligations under the law. 
Fair Debt Collection Practices Act ( FDCPA ) 807 ( 15 U.S.C. 1692e ) : Reporting these accounts without ensuring their legitimacy constitutes misleading and deceptive practices, as no further validation was provided after my dispute requests. 

Because you have failed to verify these accounts properly, you must delete them immediately from my credit report to avoid further violations of the FCRA and FDCPA. Continued reporting of inaccurate, unverified, or harmful information after a dispute constitutes willful noncompliance under FCRA 616 and 617, which entitles me to seek damages through legal action. 

Action Required : 1. Remove these XXXX XXXX entries from my credit report immediately. 
2. Provide me with written confirmation of their removal within 15 days of receiving this letter. 

If these accounts are not removed, I will escalate this matter by filing complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Attorney Generals Office in my state Civil action for damages under FCRA 616 and 617 This is my final warning. Any further delays or failure to comply will leave me with no choice but to pursue all legal remedies available to me. I expect prompt action and confirmation of the deletion within 15 days. 

Sincerely, XXXX XXXX

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