Consumer complaint received 2025-02-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Experian legal department ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Subject : Formal Dispute & Demand for Permanent Deletion of Inaccurate Accounts Dear [ Credit Bureau Name ], I am writing to formally dispute the inaccurate and unverifiable accounts appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Pursuant to XXXX U.S.C. XXXX and XXXX U.S.C. XXXX, I demand the immediate and permanent deletion of the following accounts from my credit file within five ( 5 ) days of receipt of this notice : [ List of disputed accounts, including creditor name, account number ( partial for security ), and any reference numbers ] Recent litigation, including lawsuits against XXXX and Experian, has highlighted systemic failures in proper credit reporting, reinforcing that consumers have the right to a fair and accurate credit file. Based on the FCRA, I am exercising my legal rights as follows : 1.Violation of XXXX U.S.C. XXXX ( b ) Failure to Maintain Maximum Possible Accuracy : Your bureau is required to ensure the maximum possible accuracy of my credit report. Since these accounts contain inaccurate or unverifiable information, continued reporting constitutes a willful violation of my rights. 
2.Violation of XXXX U.S.C. XXXX ( a ) Failure to Conduct a Proper Reinvestigation : Upon my request, you must conduct a reasonable reinvestigation of disputed information. If the information can not be verified within the legally required timeframe, you must delete it. I demand an expedited review within five ( 5 ) days, given the recent legal precedents regarding inaccurate reporting. 
3.Violation of XXXX U.S.C. XXXX ( b ) Duty of Data Furnishers to Correct or Delete Inaccurate Information : If the data furnishers fail to verify these accounts with documented proof, they must be deleted immediately. I request full disclosure of your communication with data furnishers as required under the FCRA. 

If these accounts are not removed within five ( 5 ) days, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I am prepared to pursue legal action for willful noncompliance, seeking statutory damages under XXXX U.S.C. XXXX. 

Please provide me with an updated credit report reflecting these deletions. I expect written confirmation of these removals and compliance with my request. 

Thank you for your prompt attention to this urgent matter. Failure to act within the specified time frame will result in legal consequences. 

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