Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request an investigation and removal of a specific XXXX XXXX  account on my credit report provided by Experian. Pursuant to the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, I respectfully request that any inaccurate information be addressed and that the disputed account be removed from my credit file immediately if it can not be verified. 

Account Details in Dispute * Creditor Name : XXXX XXXX  * Account Number : XXXX * High Credit : * XXXX XXXX {$1200.00} * XXXX : {$1000.00} * Balance Owed : {$710.00} * Date Last Activity : * XXXX : XX/XX/XXXX * Experian : XX/XX/XXXX * XXXX : XX/XX/XXXX XXXX Payment Status : Late XXXX  Days / Closed / Derogatory * Date Reported : * XXXX : XX/XX/XXXX * Experian : XX/XX/XXXX * XXXX : XX/XX/XXXX * Open/Close Date : * XXXX : XX/XX/XXXX Closed XX/XX/XXXX * Experian : XX/XX/XXXX No closing date listed * XXXX : No date listed Upon reviewing this information, I have identified inconsistencies across XXXX, Experian, and XXXX regarding the high credit XXXX last activity date, reporting date, and status of this account. These discrepancies raise concerns about the accuracy of my credit report. 

Basis for Dispute 1. Right to Accurate Information ( FCRA, Section 609 15 U.S.C. 1681g ) I have the right to obtain and review the data reported on my credit file. I request a detailed, manual verification from XXXX XXXX than relying on automated verification ( e-OSCAR ) along with a clear explanation of the steps taken to ensure accuracy. 
2. Reinvestigation of Disputed Information ( FCRA, Section 611 15 U.S.C. 1681i ) Under Section 611, I have the right to request a reinvestigation of any inaccurate or incomplete information. Please investigate these reported discrepancies and correct or remove them promptly.

3. Removal of Inaccurate/Unverifiable Information ( FCRA, Section 611 ( 5 ) 15 U.S.C. 1681i ( 5 ) ) If this account can not be verified or is found to be inaccurate, it must be deleted from my report without delay, as required by the FCRA.

4. Responsibilities of Information Providers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Furnishers ( XXXX XXXX  ) must ensure accuracy and completeness of the information they report. If they can not validate the details in question, the data must be corrected or removed. 
5. Compliance with Accuracy Procedures ( FCRA, Section 607 15 U.S.C. 1681e ( b ) ) Credit bureaus must maintain maximum possible accuracy. Conflicting account data indicate a failure to meet that standard. 
XXXX. Permissible Purposes for Accessing the Credit Report ( FCRA, Section 604 15 U.S.C. 1681b ) Credit bureaus may only grant access to my report for legally permitted purposes. If any access related to this disputed information was unauthorized, it constitutes a violation, and I request the removal of any improperly obtained data.

7. Truth in Lending Act ( TILA, Section 1601 15 U.S.C. 1601 ) TILA supports my right to accurate and truthful lending information. Consequently, any inaccurate or unverifiable data regarding this account should be removed to uphold my credit files integrity. 

Supporting Case Law * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demonstrates the accountability of credit bureaus for failing to conduct adequate investigations. 
* XXXX XXXX XXXX XXXXUnderscores the reasonable procedures required by the FCRA. 
These precedents confirm the necessity for a thorough investigation and correction when consumers raise legitimate disputes. 

Request I respectfully request that the disputed XXXX XXXX  account be removed from my credit report immediately if it can not be accurately validated. Should you verify it, please provide a detailed account of the manual verification conducted and correct any discrepancies in your findings. 

Consequences of Non-Compliance Failure to comply with this request may constitute an unfair and deceptive practice, subject to UDAAP ( Unfair, Deceptive, or Abusive Acts and Practices ). If the matter remains unresolved, I reserve the right to : * File complaints with the Attorney Generals Office, FTC, and XXXX  * Pursue formal online complaint procedures * Consider small claims action for damages Thank you for your prompt attention to this dispute. I look forward to a favorable response confirming the removal or proper correction of these inaccuracies.

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