Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
The Credit Reporting Agency Re : Formal Demand for Deletion of Inaccurate XXXX XXXX XXXX Account Report Number : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is a formal notice disputing the XXXX XXXX XXXX account currently reporting on my credit file. I am invoking my rights under the Fair Credit Reporting Act, including sections 602, 604, 605, 611, and 623. These sections require that all information furnished to credit bureaus be accurate, complete, verifiable, and reported in a manner that does not mislead or cause harm. This account has repeatedly violated these standards. 

I am disputing this account in its entirety. I am requesting deletion or full removal of all late payments because the information being reported is wrong, incomplete, and can not be verified in compliance with federal law. 

Statement of Facts This was a secured credit card, opened with my own collateral. 

The account was closed and paid years ago, yet it continues to report derogatory information. 

Late payments were posted after the account was closed, which is factually impossible. 

The payment history is inconsistent, inaccurate, and does not match the true status of this account. 

The account is harming my ability to qualify for housing, credit products, and basic financial stability. 

This account has been closed since XXXX, but your bureau continues to publish damaging late payment data updated in XXXX, including 30, 60, 90, and 120 day delinquencies that never occurred. I never owed any balance beyond my secured funds. Nothing about this reporting reflects reality or acceptable data handling practices. 

Legal Violations This reporting violates several provisions of the Fair Credit Reporting Act : 1. FCRA 602 You are prohibited from publishing inaccurate information that harms the consumer. This continuing derogatory reporting is causing direct injury to my ability to obtain credit and secure a home.

2. FCRA 604 Permits only accurate and properly certified information to be shared. The late payments being reported were never validated and are factually incorrect.

3. FCRA 605 You can not report outdated or misleading information that distorts the true condition of the account. Reporting late payments on a closed secured account is misleading and prohibited.

4. FCRA 611 You are required to conduct a full reinvestigation. If the furnisher can not provide complete and accurate verification for every late payment being reported, you must delete the entire account or remove every derogatory mark.

5. FCRA 623 The furnisher, XXXX XXXX XXXX, is required to report information that is accurate and complete. Continuing to furnish false late payment data after the account was closed violates this section entirely. If the furnisher can not certify each reported date and delinquency with actual documentation, the item must be removed. 

Specific Request I am demanding the following : Option 1 Delete the entire XXXX XXXX XXXX account from my credit file due to unverifiable, inaccurate, and misleading reporting.

Option 2 At a minimum, remove every late payment and derogatory entry associated with this account since they are impossible, factually wrong, and damaging.

If the information you publish can not be verified with actual hard documentation such as billing statements, payment records, closure confirmation, and day by day delinquency logs, you are required to delete this account according to federal law.

The law requires that you complete the reinvestigation within the allowed time frame and provide me with written confirmation of the results.

Final Notice This account is harming my daily life. It is preventing me from qualifying for a home and affecting my financial wellbeing. I have attempted multiple times to resolve this with XXXX XXXX  and the reporting bureaus, and the ongoing publication of false derogatory information has reached the point of actionable harm. 

You are required to either correct this information or remove it completely. Any result other than deletion or full correction will be considered a willful violation of the FCRA. I will pursue all available remedies should this inaccurate reporting continue. 

Please send written confirmation once the account and all derogatories have been deleted. 

Sincerely, 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