Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX. To : Experian : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Subject : Formal Request for Investigation and Removal of Inaccurate Information Under the FCRA Re : XXXX XXXX XXXX  ( Account Number : XXXX ) Dear Experian I am writing to formally request the removal of the inaccurate and unverifiable information regarding the charge-off/collection repo account from XXXX XXXX XXXX ( Account Number : XXXX ) from my credit report. This account has been reported inaccurately and remains on my credit report despite my repeated efforts to resolve this issue over the past year. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I demand an immediate investigation and deletion of this account for the following reasons : 1. Failure to Verify Accurate Reporting : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate any disputed items and verify their accuracy. The continued reporting of this account suggests a failure to properly verify its accuracy within the mandated 30-day window. 
2. Inaccurate and Incomplete Reporting : Per 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure maximum possible accuracy of the information they report. I have reason to believe that the information related to this account has not been accurately or completely verified, and therefore, it can not be included on my credit report. 
3. Violation of FCRA Requirements by the Furnisher : XXXX XXXX XXXX, as the furnisher of this information, is required under 15 U.S.C. 1681s-2 ( b ) to investigate and correct or delete any information that can not be verified. Given my multiple disputes and lack of appropriate resolution, I question whether XXXX XXXX XXXX has fulfilled its obligations under the law. 
4. Potential Reporting of Obsolete Information : If the reported date of delinquency is inaccurate, the continued reporting of this account could violate the statute of limitations under 15 U.S.C. 1681c ( a ), which restricts the reporting of negative information beyond seven years.

Additionally, I have already filed complaints with the C
onsumer Financial Protection Bureau ( CFPB ), which were not satisfactorily resolved. I am escalating this issue directly with you to ensure compliance with federal law and to protect my rights as a consumer. 
Requested Action : I demand that you immediately : 1. Investigate this account in compliance with the FCRA. 
2. Provide me with the results of your investigation, including any documentation XXXX XXXX XXXX provided to verify the account. 
3. Delete this account from my credit report if it can not be verified with 100 % accuracy. 
4. Provide written confirmation of the deletion or modification of this account. 
Please note that failure to properly address this dispute may result in further legal action, including arbitration, as outlined in 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 
I expect your written response within 30 days of receipt of this letter, as required by law. Please find enclosed copies of my ID and proof of address to assist in your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response. 
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