Consumer complaint received 2024-09-24 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to ensure the accuracy and completeness of the information you report. The reported late payment is inaccurate and must be corrected immediately. The case XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX 1994 ) established that credit reporting agencies must take reasonable steps to ensure the accuracy of the information in consumer reports, including investigating disputes regarding incorrect data. I request that you conduct a thorough investigation into this matter, update my credit report to remove this incorrect information, and provide written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I expect a timely resolution in accordance with FCRA requirements. I want the following accounts either verified or deleted with documentation that they verified it. 

XXXX  - XXXX -If the investigation reveals that the information is indeed inaccurate or can not be verified, I request that you promptly remove or correct the information on my consumer report. 

XXXX XXXX XXXX - XXXX - Please start an investigation and prove that this actually belongs to me. - This is not mine - please remove this inaccuracy from my report. 

XXXX - XXXX - As directed by the FCRA, I am expecting written notification of the outcomes of your investigation, inclusive of any removals or amendments to my report arising from this dispute as stipulated under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). I would also appreciate an updated copy of my report that reflects these changes, I kindly request the immediate removal of any erroneous or unsupported material from this page, as it gravely deviates from the expected standards and undermines the integrity of the information presented XXXX XXXX XXXX  - XXXX - As directed by the FCRA, I am expecting written notification of the outcomes of your investigation, inclusive of any removals or amendments to my report arising from this dispute as stipulated under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). I would also appreciate an updated copy of my report that reflects these changes, I kindly request the immediate removal of any erroneous or unsupported material from this page, as it gravely deviates from the expected standards and undermines the integrity of the information presented. - If you are unable to provide a letter or any form of communication from the court confirming the validation of this information, please delete it. 

XXXX XXXX If the investigation reveals that the information is indeed inaccurate or can not be verified, I request that you promptly remove or correct the information on my consumer report. 

XXXX XXXX If the investigation reveals that the information is indeed inaccurate or can not be verified, I request that you promptly remove or correct the information on my consumer report. 

XXXX  XXXX If the investigation reveals that the information is indeed inaccurate or can not be verified, I request that you promptly remove or correct the information on my consumer report. 

XXXX XXXX If the investigation reveals that the information is indeed inaccurate or can not be verified, I request that you promptly remove or correct the information on my consumer report.

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