Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Deletion With Prejudice of Disputed XXXX XXXX Account Dear Sir or Madam, I am writing to file a formal complaint and demand the immediate and permanent deletionwith prejudiceof a disputed XXXX XXXX account from my credit records. This account, which I have previously contested, is a closed and foreclosed account that falls outside the statutory reporting period. 

**Background and Dispute : ** - **Account Details : ** The account in question is associated with XXXXXXXX XXXX. It is a closed account that was foreclosed upon, and I have never authorized any further or continuing obligation under this account. 

- **Previous Dispute and Verification : ** I have already disputed the validity of this account in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my challenge, this item has not been verified, and the statutory time frame for reporting has expired. 

**Legal Basis for Deletion : ** 1. **Fair Credit Reporting Act ( FCRA ) : ** Under 15 U.S.C. 1681i ( a ), once a dispute is initiated, the credit bureau is required to conduct a reasonable investigation and delete any item that can not be verified within the statutory 30-day period. Since this account remains unverified and its reporting period has lapsed, it must be removed from my credit report immediately.

2. **Uniform Commercial Code ( UCC ) : ** - **UCC 1-201 ( 20 ) : ** A verified record requires proof by evidence or sworn certification. The evidence provided to date does not satisfy this standard. 
- **UCC 3-501 ( b ) ( 2 ) : ** Upon proper demand, the party asserting the obligation must produce evidence within a reasonable time. Failure to do so discharges the alleged debt.

3. **United States Code ( USC ) : ** Further, under applicable statutory provisions, the original time frame for maintaining or reporting this account has been exhausted. Continuing to report an expired, unverified, closed, and foreclosed account is a violation of my rights under federal law. 

**Demand for Deletion With Prejudice : ** Given the facts above : - The disputed XXXXXXXX XXXX account is a closed and foreclosed account. 
- It has not been verified within the statutory period as required by the FCRA.

- The evidence provided fails to meet the standards for verification under the UCC and USC.

I hereby demand that this account be permanently deleted from all credit reporting agencies with prejudice, ensuring that it can not be reinserted in the future without full compliance with federal law. I further request written confirmation of this deletion within five ( 5 ) business days from the receipt of this complaint. 

Thank you for your prompt attention to this matter. I expect a swift resolution and remain prepared to take further action if necessary to protect my rights under the FCRA, UCC, and all applicable federal statutes.

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