Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Experian XXXX Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Urgent Dispute Request Immediate Removal of Inaccurate and Unverified Account To Whom It May Concern, I am writing to formally dispute the account listed under XXXX XXXX XXXX on my Experian credit report. This account is inaccurate, unverifiable, and must be permanently removed under the Fair Credit Reporting Act ( FCRA ). 

Disputed Account Details : Creditor Name : National Credit Systems Address : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX Balance : {$370.00} Business Type : YC I demand that this account be removed immediately within five ( 5 ) business days, as Experian is required by law to investigate and delete any unverifiable, inaccurate, or unauthorized information under the FCRA.

Legal Grounds for Removal : 1. FCRA 1681i ( a ) Failure to Verify Accuracy of Information Under this section, if the furnisher ( National Credit Systems ) can not verify this account with original signed documentation, it must be deleted. Experian must conduct a reasonable investigation, and failure to do so violates federal law.

2. FCRA 1681e ( b ) Maximum Possible Accuracy Experian is legally required to report only accurate information. If Experian can not provide proper documentation from the furnisher, this account must be permanently removed.

3. FCRA 1681s-2 ( a ) Duty of Furnishers to Provide Accurate Information National Credit Systems must provide legitimate proof of this account, including my original signed contract or account agreement. If they fail to do so, this account must be deleted immediately.

4. FCRA 1681b Unauthorized Reporting If this account was reported without my express authorization, Experian is in violation of federal law, and this account must be removed.

Recent Lawsuits & Legal Precedents There have been multiple class-action lawsuits and regulatory settlements involving Experian, XXXX, and XXXX for failing to properly investigate disputes. Non-compliance with FCRA regulations can result in legal liability under FCRA 1681n and 1681o, including statutory damages and attorney fees. 

Resolution Demand : I demand the permanent deletion of this account within five ( 5 ) business days under FCRA 1681i ( a ) ( 5 ). If Experian does not comply, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Pursue legal action for willful non-compliance, seeking damages under FCRA 1681n. 

I expect written confirmation of the removal of this account. If Experian fails to act within the legal timeframe, I will proceed with the necessary legal steps. 

Sincerely, XXXX XXXX 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