Consumer complaint received 2025-04-08 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: KY

Complaint narrative:
Subject : Formal Demand for Deletion of Paid and Closed Accounts FCRA Violation To Whom It May Concern, This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) for the immediate deletion of inaccurate, outdated, and unverified accounts from my consumer report. Upon review of my credit file, I have identified accounts that have been paid in full and closed, yet they continue to remain on my report, negatively affecting my creditworthiness. This is an unlawful practice that misrepresents my financial standing and violates my rights under federal law.

# # # LEGAL BASIS FOR DELETION : 1. Failure to Maintain Accuracy 15 U.S.C. 1681e ( b ) : Under the FCRA, credit reporting agencies ( CRAs ) are required to ensure maximum possible accuracy. Reporting a paid and closed account as an ongoing derogatory entry is misleading and constitutes negligent or willful noncompliance.

2. Obligation to Conduct a Meaningful Investigation 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : If a consumer disputes the accuracy of any reported information, the CRA must conduct a reasonable reinvestigation. Given that these accounts are paid and closed, their continued reporting as negative or derogatory items demonstrates clear noncompliance with federal guidelines.

3. Obsolescence 15 U.S.C. 1681c ( a ) : If the accounts have been closed for several years, they may now be beyond the reporting period permitted under the FCRA. Any account that has reached the seven-year limit for negative information or the ten-year limit for closed, positive accounts must be permanently removed.

4. CFPB Enforcement Against Sham Investigations : The Consumer Financial Protection Bureau ( CFPB ) has sued major CRAs for failing to conduct meaningful investigations into consumer disputes. If you fail to comply with your legal duty to correct my file, I am prepared to escalate this matter to the CFPB and explore potential legal remedies under 15 U.S.C. 1681n and 1681o, which provide for statutory damages and legal fees. 
XXXX XXXX XXXX DEMAND FOR ACTION : I formally request the immediate deletion of the following accounts from my credit report : - [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As these accounts have been paid in full and closed, their continued reporting serves no permissible purpose and is detrimental to my credit profile. I demand that you permanently remove these entries from my report within 30 days of receiving this letter, per the FCRAs dispute resolution requirements. 
Failure to comply will result in my immediate action, including, but not limited to : - Filing a complaint with the CFPB, FTC, and my state Attorney General ; - Pursuing civil litigation for noncompliance under the FCRA ; - Seeking damages for negligent or willful violation of my consumer rights. 
This letter constitutes legal notice. I expect a written response confirming the deletions within 30 days. Any failure to act will be seen as a willful violation of federal law, subjecting you to further liability. 
I am attaching a copy of my ID and proof of address for verification. This matter requires immediate correction, and I will not tolerate any evasive or deceptive practices in handling my dispute. 
Govern yourselves accordingly. 
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