Consumer complaint received 2025-01-17 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of inaccurate and incomplete information on my credit report, as you have failed to properly update or remove the disputed information as required under the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to resolve this issue Despite these requirements, Experian has failed to address this matter adequately. At this point, your repeated inaction not only undermines my confidence in the credit reporting system but also continues to negatively impact my financial standing and opportunities.

Experian is in a unique position of trust and responsibility. Consumers like me rely on your organization to maintain the integrity and accuracy of the information you report. When that trust is broken, the harm is not just financialits deeply personal. I should not have to beg for fairness and accuracy in handling my own data.

This situation is not complicated : the information I have disputed is unverifiable, incomplete, and inaccurate. Doing the right thing means ensuring that such information is removed from my credit report. The law supports this action, but more importantly, it is simply the ethical thing to do.

Given that Experian has not taken the necessary steps to verify or correct the disputed information, I am now demanding the deletions of all referenced accounts immediately. This is not only my right under the FCRA, but also your obligation as a credit reporting agency to ensure the accuracy and fairness of the information you maintain.

Failure to Comply with FCRA Obligations Under 15 U.S.C. 1681i ( a ), you are required to conduct a proper reinvestigations of disputed information within 30 days and either verify, correct, or delete information that is inaccurate, incomplete, or unverifiable. Experian has failed to meet these obligations, leaving me no choice but to escalate this matter.

Demand for Resolution I am demanding the immediate deletion of the disputed accounts from my credit report. If Experian does not comply with this request, I will be forced to pursue legal action in state or federal court and escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) as a separate complaint.

Please understand that this is not a request for further investigation or reviewI have already given Experian XXXX  opportunity to resolve this matter properly. This is a final demand for action.

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