Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Subject : Formal Request for Immediate Removal of Inaccurate and Unverifiable Collections from Credit Report Hello, I am writing to formally address ongoing inaccuracies in my credit report, which have not been handled in compliance with the Fair Credit Reporting Act ( FCRA ). Despite my consistent efforts to resolve these matters, Experian has failed to meet the following legal obligations : 1. 15 USC 1681e ( b ) : Requirement to ensure maximum possible accuracy of information reported.

2. 15 USC 1681s-2 : Responsibility of data furnishers to provide accurate and verifiable information.

3. 15 USC 1681i : Obligation to conduct proper reinvestigations of disputed items.

4. 15 USC 1681c ( c ) : Prohibition against reporting outdated or unverifiable information.

Accounts in Dispute : 1. Account 1 ( Creditor Name : XXXXXXXX XXXX XXXX XXXX. ) Balance : {$310.00} Status : Listed as a collection account. 

Issue : The account remains unverified despite prior disputes, violating FCRA guidelines. 



2. Account 2 ( Creditor Name : XXXX ) Balance : {$1100.00} Status : Collection account opened in XX/XX/year>. 

Issue : No validation or original creditor documentation has been provided. I belive this account was once removed from my account and now it has been put back on my account with out my permission or proper reason. 




Requested Actions : I formally request the following actions be taken immediately to resolve these matters : 1. Complete Removal of Collection Accounts : Both of these accountsXXXX XXXX XXXX XXXX and XXXXshould be entirely removed from my credit report as they are inaccurate, unverifiable, and harmful to my credit profile. I believe the continued reporting of these accounts constitutes a violation of my rights under the FCRA. 


2. Validation of Debt : If Experian continues to report these accounts, you are legally obligated to provide comprehensive documentation from the original creditors that substantiates the validity of these debts. In the absence of such evidence, the only legal and ethical course of action is the immediate deletion of these accounts from my report. 


3. Written Confirmation of Actions Taken : Provide a written explanation confirming the removal of the accounts or detailing the validation evidence relied upon, along with copies of the supporting documents. 



CFPB Lawsuit Context : The recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian highlights systemic failures in handling credit disputes. If my dispute is not resolved in full compliance with the FCRA, I will escalate this matter by filing a formal complaint with the CFPB. Additionally, I will explore legal remedies to hold Experian accountable for any continued inaccuracies. 

Timeline for Action : I request that you complete your investigation and provide me with a resolution, including the full removal of the disputed accounts AS SOON AS POSSIBLE, within maximum 30 days as mandated by the FCRA. 

Closing : I trust that Experian will treat this matter with the seriousness it deserves. Failure to act accordingly will leave me with no choice but to escalate my case through every available legal channel. 

Thank you for your prompt attention to this matter. 

Sincerely.

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