Consumer complaint received 2025-03-05 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: MO

Complaint narrative:
Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Complaint Regarding Violation of the Fair Credit Reporting Act ( FCRA ) Dear Experian Dispute Department, I am writing to formally dispute Experians handling of my credit report dispute regarding an account reported by XXXX. I filed a dispute and provided evidence demonstrating that this account was fraudulently and incorrectly reported on my credit report. In response, I received a written notification from Experian stating that the account had been deleted from my credit report. However, upon reviewing my credit report, I discovered that the account remains and was never actually removed, contrary to the notification I received. 

Experians failure to delete this account as stated constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which mandates that when a credit bureau determines information to be inaccurate, unverifiable, or fraudulent, it must delete that information from the consumers file. Additionally, under 15 U.S.C. 1681n and 1681o, Experian may be held liable for willful or negligent noncompliance with the FCRA. 

Legal Violations & Penalties : FCRA 1681i ( a ) ( 5 ) ( A ) Requires Experian to delete inaccurate or unverifiable information from my credit report once the dispute is resolved in my favor.

FCRA 1681n Willful noncompliance with the FCRA subjects Experian to statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees.

FCRA 1681o Negligent noncompliance with the FCRA allows me to seek actual damages and attorney fees.

As Experian has failed to comply with its legal obligations, I am demanding that this account be immediately and permanently deleted from my credit report and that I be provided with an updated credit report confirming the deletion. Furthermore, I request a written explanation as to why Experian falsely notified me of the deletion when the account was never removed. 

If this issue is not resolved promptly, I am prepared to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I am also considering pursuing legal action for damages as provided under the FCRA. 

I have attached copies of the notification Experian sent me confirming the accounts deletion, along with my most recent credit report showing that the account is still being reported. 

I expect a written response confirming the immediate and permanent deletion of this account within 15 days of receipt of this letter. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX [ Enclosures : Copy of Experians Deletion Notification, Copy of Credit Report Showing the Account Still Exists ]

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