Consumer complaint received 2025-02-25 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: SC

Complaint narrative:
Re : Urgent Dispute & Demand for Immediate Removal of Inaccurate Open Negative Medical Charge-Off/Collection Accounts Dear Sir/Madam, I am writing to formally dispute and demand the immediate deletion of inaccurate and unverifiable open negative medical charge-off/collection accounts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws, you are required to maintain complete and accurate information. The following accounts, which I have previously disputed, are reported in direct violation of my rights : XXXX XXXX XXXX Consumer Account Number : XXXX Date of Account Information/Last Update : XX/XX/year> Reported Balance : {$2000.00} Account Status : Open, Derogatory Special Comment : Account information disputed by consumer, meets FCRA requirements XXXX XXXX XXXX XXXX Account Number : XXXX Date of Account Information/Last Update : XX/XX/year> Reported Balance : {$2100.00} Account Status : Open, Derogatory Special Comment : Account information disputed by consumer, meets FCRA requirements Valid Grounds for Dismissal : Failure to Verify : Despite multiple disputes, no credible or updated documentation has been provided to verify the accuracy of these collections. The FCRA mandates that all disputed information must be thoroughly investigated and substantiated with valid evidence. 

Inaccurate & Inconsistent Reporting : The data provided on these accounts ( dates, balances, account status ) is grossly inconsistent and fails to meet the standards of accurate reporting required under the FCRA. 

Negligence in Handling Disputes : The persistent appearance of the disputed notation, along with unresolved inaccuracies, evidences a reckless disregard for consumer rights. The recent lawsuit against XXXX and XXXX underscores a systemic failure in upholding FCRA mandates, rendering continued reporting of these items legally indefensible. 

Consumer Dispute Acknowledgment Ignored : These accounts are clearly marked as disputed by consumer. Under FCRA guidelines, such notation must trigger a comprehensive reinvestigation. The failure to resolve these disputes constitutes a violation of your legal obligations. 

I demand that you immediately commence a re-investigation of these accounts and furnish me with all documentation used to verify the accuracy of this information within 30 days. If you can not provide satisfactory verification, you are legally required to expunge these items from my credit report forthwith. 

Please be advised that if you continue to report this inaccurate information, I will not hesitate to pursue aggressive legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office, as well as seeking all available legal remedies in federal court. 

I expect written confirmation of your compliance with this request within 30 days from the date of this letter. Direct all correspondence regarding this matter to the address listed above. 

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