Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
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 Re : Request for Removal of Inaccurate or Negative Accounts from My Credit Report Account Number ( XXXX ) XXXX Date of XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate or negative information regarding the following account ( XXXX ) on my credit report. Upon reviewing my report, I have found errors or outdated information which I believe is not in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

According to the FCRA, specifically 15 U.S.C. 1681i, credit reporting agencies are required to ensure that all information on consumer credit reports is accurate, complete, and verified. If an item is found to be inaccurate or unverifiable, it must be removed. Furthermore, under the case XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court ruled that reporting agencies are obligated to investigate disputes promptly and correct inaccuracies. 

I request that you investigate the following disputed accounts and either provide verification of their accuracy or remove them from my report : XXXX. XXXX XXXX XXXX account was reported as fraud. even doe this account is in good standing on my credit report i need it remove this was done by a family member when i found out about the loan being in my name. I confronted the family member and it was also reported to the police and the XXXX court service. attached is the court document. 

XXXX XXXX XXXXXXXX : Remove due to account amount being in accurate and that is proof attach showing the amount that was left to be paid on this account. The reporting amount is {$2300.00}. 
XXXX. XXXX XXXX : This account balance was paid in full for the amount of {$220.00} and this account was close or transfer to a new apartment with a XXXX balance. Attach is the letter of proof showing the last mouth and closing date of this account. 
XXXX XXXX XXXX XXXX : this vehicle was charges off due to an accident. XXXX XXXX charge the account off without sending me a XXXX i have called numerous time requisition the proper documents but they fail to give me any accurate information. 
If you can not provide evidence of the accuracy of these accounts, I ask that you remove the entries from my report to comply with the guidelines set forth in the FCRA and as supported by the decision in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), where the court affirmed that if a credit reporting agency fails to investigate a dispute or remove unverifiable information, the consumers credit report must be corrected. 

Please respond in writing within 30 days of receipt of this letter, in accordance with the FCRA. Should you fail to respond, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse for any violations. 

Thank you for your prompt attention to this matter. 

Sincerely, 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