Consumer complaint received 2025-02-06 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:
I am writing to demand the immediate removal of the XXXX XXXX XXXX ACCOUNT** ( Account Number : XXXX ) from my credit report. Despite multiple previous attempts to dispute this account and resolve the inaccuracies over the past several months, Experian has failed to act in accordance with the **Fair Credit Reporting Act ( FCRA ) **. The information being reported is **inaccurate, incomplete, and misleading**, and I expect immediate action to correct this violation of my rights.

# # # **Reason for Dispute : FCRA Violations** The account in question is listed as " open, '' despite having no active relationship with the creditor, nor having authorized any activity on this account. This reporting is **false and fraudulent**, and its continued presence on my credit report is a clear violation of the **FCRA**. Below are the specific sections of the **FCRA** that Experian is in violation of : - **Section 1681e ( b ) : Duty of Furnishers of Information** Credit reporting agencies must have procedures to ensure the accuracy of the information they report. Experian has failed to meet this requirement by allowing the continued reporting of incorrect and unverifiable data about this account.

- **Section 1681i : Procedure in Case of Disputed Information** When I disputed this account, **Experian failed to conduct a reasonable investigation**. Under the FCRA, if information can not be verified, it must be corrected or deleted. Your failure to take appropriate action is in direct violation of this provision.

- **Section 1681c : Information Excluded from Reports** If the information is found to be inaccurate, incomplete, or unverifiable, it must be removed. The continued presence of this incorrect and fraudulent information constitutes a violation of this requirement.

# # # **Fraudulent Reporting of the Account** The information regarding the XXXXXXXX XXXX XXXX ACCOUNT** is fraudulent, and therefore, it must be removed from my credit report under the FCRA. Reporting incorrect or fraudulent information is prohibited, and under **FCRA Section 1681n**, Experian can be held liable for willfully violating the law by reporting false information. Additionally, under **Section 1681o**, consumers can recover damages if credit reporting agencies negligently fail to ensure the accuracy of their reports. 

# # # **Relevant Legal Precedents** - XXXX XXXX Equifax Information Services LLC ( 2002 ) ** The court held that Equifax violated the FCRA for failing to properly investigate disputed accounts, which led to their continued reporting on the consumer 's credit report. This case is directly applicable to my situation, where Experian has failed to investigate and remove this inaccurate account. 

- **XXXX  v. Equifax Information Services , LLC ( 2010 ) ** The court found that Equifax was liable for failing to delete fraudulent accounts after the consumer disputed them, and awarded damages for the emotional distress and financial harm caused by inaccurate credit reporting.

# # # **Legal Requirements for Accurate Reporting** - **FCRA Section 1681e ( b ) : Accuracy of Information** Experian is legally required to adopt procedures that ensure only accurate and complete information is reported. **Experians failure to verify or correct this fraudulent account violates this legal obligation**.

- **FCRA Section 1681i ( a ) : Procedure for Disputed Information** Once I disputed this account, Experian was required to conduct a reasonable investigation into its accuracy. As the account could not be verified, it should have been deleted from my credit report.

# # # **Request for Immediate Removal** Given the **clear inaccuracies** and violations of the FCRA, I am demanding that **Experian immediately remove the XXXX XXXX XXXX  ACCOUNT** from my credit report. Failure to act promptly will constitute a continued violation of my rights under federal law, and I will take further legal action to protect my interests.

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