Consumer complaint received 2025-02-05 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: MI

Complaint narrative:
I am writing once again to dispute the inaccurate and incomplete information currently listed on my credit report. Despite having sent multiple letters over the past several months, the following account remains unresolved, and I demand immediate removal : 1. XXXX XXXX Account Number : XXXX **Repossession Status** This account contains erroneous and incomplete data, which violates my rights under the **Fair Credit Reporting Act ( FCRA ) **. I am requesting that the account be removed from my credit report immediately.

# # # Reasons for Dispute Under **15 U.S.C. 1681e ( b ) **, Experian is required to maintain accurate reporting of credit information. The discrepancies and incomplete data on this account are in direct violation of this requirement. Additionally, **15 U.S.C. 1681i ( a ) ** mandates that, upon receiving a dispute, Experian must conduct a reasonable reinvestigation and correct or remove any unverifiable or inaccurate information.

# # # Legal Grounds for Removal 1. **Accuracy of Reporting** : Under **15 U.S.C. 1681c ( a ) **, inaccurate, incomplete, or unverifiable information must be promptly corrected or removed. As this account is not properly reported, it must be deleted immediately.

2. **Fraudulent Information** : **15 U.S.C. 1681s-2 ( a ) ** mandates that furnishers of information to credit bureaus report only accurate data. If there is fraud or an error found in the information, it must be deleted from the consumers credit report.

3. **Protection from Harmful Reporting** : **15 U.S.C. 1681h ( e ) ** protects consumers from harm caused by inaccurate information. If negligence or willful misconduct in reporting is found, the information must be deleted. This account clearly falls under this provision.

4. **Identity Theft Protections** : According to **15 U.S.C. 1681c-2**, fraudulent information must be blocked or removed upon proper notification. The account in question should be removed as it is unverifiable.

5. **Precedent Case Law** : In **Ramirez v. TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) **, the Supreme Court confirmed that credit reporting agencies are liable for reporting inaccurate information. Furthermore, in **Richardson v. Experian Information Solutions , Inc.** , Experian was held accountable for failing to correct inaccuracies after being notified.

# # # Supporting Documentation Enclosed, you will find copies of : - My identification and proof of address.

# # # Request for Immediate Action Given the ongoing nature of this issue and the violations of my rights, I demand that this account be **removed immediately** from my credit report. If I do not receive a resolution within the required timeframe, I will be forced to escalate the matter by filing formal complaints with both the **Consumer Financial Protection Bureau ( CFPB ) ** and the **Office of the Attorney General**.

Please confirm in writing that the investigation is complete and provide me with an updated credit report reflecting the deletion of this account.

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