Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Experian Consumer Dispute Center XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Demand for Deletion of Collection Account Due to FCRA Violations ( 15 USC 1681e ( b ), USC 1681i, USC 1681b ) To Whom It May Concern : This letter serves as a formal demand to delete an inaccurate and unverified collection account from my credit report ; Account Name : Conserve Account Number # : XXXX Experian has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681e ( b ), USC 1681i, and USC 1681b, as it has neither provided a legally sufficient method of verification nor ensured the accuracy and integrity of this reported account. 

Under FCRA requirements, credit reporting agencies must maintain reasonable procedures to ensure maximum accuracy ( 15 USC 1681e ( b ) ). Furthermore, upon a consumer 's dispute, Experian is required to conduct a reasonable investigation ( 15 USC 1681i ) and must clearly verify the accounts validity. I formally requested the verification method used for this account, yet Experian has failed to provide any documentation, indicating a lack of compliance with federal standards for verification and permissible reporting.

Specific Violations Cited : Failure to Maintain Accurate Reporting ( 15 USC 1681e ( b ) ) Experian is obligated to maintain reasonable procedures to ensure the maximum accuracy of all reported information. The continued reporting of this unverified collection account without providing the verification method is a clear breach of this responsibility.

Failure to Verify Information as Required ( 15 USC 1681i ) Upon my initial dispute, Experian failed to conduct a reasonable investigation, as evidenced by the absence of a disclosed verification method. This lack of verification violates FCRA standards and constitutes non-compliance with the dispute and reinvestigation process. 

Lack of Permissible Purpose for Reporting ( 15 USC 1681b ) FCRA limits the reporting of consumer information unless it is explicitly verified and authorized. Since Experian has failed to verify the legitimacy of this collection account, continued reporting of this item lacks a permissible purpose under the law.

Demand for Immediate Action I demand that Experian immediately delete this unverified and inaccurately reported collection account from my credit report. Furthermore, I request written confirmation of its deletion within 15 days of receiving this letter. Failure to comply will compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies for these FCRA violations.

This letter serves as a formal notice of Experians legal obligations under FCRA. I expect Experian to act promptly and in compliance with federal law to resolve this matter.

I will be Sending copies of this and all correspondences to ; CFPB Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX DC XXXX California Attorney General XXXX XXXX XXXX, XXXX CA XXXX New York XXXX Attorney General XXXX XXXXXXXX XXXX XXXX NY XXXX Federal Trade Commission Legal Complaint Department Bureau of Consumer Protection Federal Trade Commission XXXXXXXX XXXX XXXX XXXX XXXX XXXX DC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXXXXXX XXXX XXXXXXXX Fax. XXXX You have been warned I will pursue legal action if this account is not deleted in 15 Days from receipt of this Final notice. I will seek damages, actual damages, statutory damages, Plus all remedies adored to me under the civil liability section of the FDCPA and or Regulation F. 


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