Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Account number : XXXX Subject : Formal Complaint and Request for Account Deletion Dear Sir/Madam, I am writing to formally address a series of issues regarding my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). It has come to my attention that your company has repeatedly violated my rights as a consumer, as outlined in 15 U.S.C. 1692c. Despite your claims that my account has been updated and that all information is accurate, this marks the fourth instance in which you have validated my account, yet the errors remain unresolved.

I respectfully request that this account be deleted from my credit report due to the numerous inaccuracies that continue to persist. According to the reports provided by the credit bureaus, the following discrepancies have been noted : Experian reported the account was last verified on XX/XX/XXXX. 

TransUnion reported the account was last verified on XX/XX/XXXX. 

Equifax reported the account was last verified on XX/XX/XXXX. 

In accordance with the law, all information provided by creditors and credit reporting agencies must be accurate and current. The following errors are still present : Closed Date : Only TransUnion correctly reported the closed date as XX/XX/XXXX. The other credit agencies have failed to report any data for this field. 

High Balance : Experian reported the high balance as XXXX, while TransUnion and Equifax reported it as XXXX, which is clearly inconsistent and incorrect. 

Last Payment : Equifax reported the last payment date as XX/XX/XXXX, whereas TransUnion and Experian reported it as XX/XX/XXXX. 

Credit Limit : Equifax reported a credit limit of XXXX, while TransUnion and Experian both reported a credit limit of {$250.00}. 

Additionally, I am aware that this account has been sold to XXXX XXXX, and I am currently working with them regarding this matter. However, I want to emphasize that the original errors in the reporting of this account were never corrected by your company, and the discrepancies continue to negatively impact my credit report. 
These errors violate my consumer rights under the Fair Credit Reporting Act, as all information must be accurate, complete, and verifiable. Your company has failed to correct these errors despite several attempts, and I am left with no other option but to formally request the complete removal of this account from all of my credit reports. 
According to 15 U.S.C. 1692c, you have violated my rights by failing to resolve these issues in a timely and lawful manner. I urge you to take immediate action to rectify this matter by deleting the account from all of my credit reports and ceasing any further communication regarding this issue.

Please confirm in writing that the account has been removed and that no further communications will be made concerning this matter. If I do not receive a satisfactory resolution, I will have no choice but to pursue further legal action to protect my consumer rights.

Thank you for your prompt attention to this matter. 
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