Consumer complaint received 2025-01-21 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: TN

Complaint narrative:
Subject : Complaint Against Experian Refusal to Delete Inaccurate Account ( XXXX XXXX ) Dear Consumer Financial Protection Bureau , I am filing this complaint against Experian for their refusal to delete the XXXX account ( Account Ending in XXXX ) from my credit report, despite multiple disputes and documented proof of inaccuracies. Notably, XXXX has already removed this account after determining the information was inaccurate and unverifiable. 

Background and Dispute History The XXXX account contains multiple inaccuracies, including : 1. Inconsistent Dates : The reported dates ( e.g., charge-off and account updates ) do not align with other verified information. 
2. Incorrect Balance History : The account reflects conflicting balances across different reports. 
3. Failure to Verify Ownership or Proof of Debt : Experian and the furnisher have failed to provide any supporting documentation proving the accounts accuracy. 

I have disputed this account multiple times with Experian, providing documented proof of these inaccuracies, yet they continue to verify it as accurate without addressing the issues. 

FCRA Violations by Experian 1. FCRA 1681e ( b ) Failure to Ensure Accuracy : Experian is required to ensure the maximum possible accuracy of information on credit reports. The discrepancies in this accounts reporting demonstrate a clear failure to meet this standard. 
2. FCRA 1681i ( a ) Failure to Conduct a Reasonable Reinvestigation : Despite my disputes and supporting documentation, Experian has failed to properly investigate the inaccuracies or remove the account as required under federal law.

3. Failure to Consider Proof of Inaccuracies : Experians refusal to delete the account even after XXXX removed it indicates a disregard for evidence provided by the consumer. 

Requested Actions 1. Immediate Deletion of the XXXX Account : Remove the inaccurate account from my Experian credit report, as it has already been deleted by XXXX. 
2. FCRA Compliance Review : Investigate Experians dispute-handling practices to ensure compliance with FCRA 1681e ( b ) and 1681i ( a ).

3. Provide Verification Documentation : Require Experian to provide verifiable proof of the accounts accuracy. If such proof can not be provided, the account must be deleted immediately. 

Supporting Documentation 1. Proof of XXXX removal of the account. 
2. Copies of my disputes and Experians responses.

3. Highlighted credit report excerpts showing the inaccuracies.

Consumer Harm Experians refusal to delete this inaccurate account has negatively impacted my creditworthiness. This has resulted in : Denied Credit Opportunities : Due to the negative reporting on my credit file.

Higher Interest Rates : On approved loans and credit lines. 
Emotional Distress and Anxiety : From dealing with ongoing inaccuracies and repeated disputes. 

I respectfully request that the CFPB intervene to ensure Experian complies with the FCRA and removes this inaccurate account from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 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