Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to formally request an immediate review and removal of inaccurate and unauthorized information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right as a consumer to ensure that my credit report contains only accurate, verifiable, and legally reported information. 
Upon reviewing my credit report, I have identified multiple discrepancies that are unfairly impacting my financial standing. Below, I have outlined the erroneous accounts that must be corrected without delay : 1. Charge-Off Accounts ( Immediate Removal Required ) The following accounts are incorrectly listed as " Charge-Offs '' on my credit report and do not meet the accuracy and verifiability requirements set forth by the FCRA ( 15 U.S. Code 1681i and 1681e ( b ) ). Therefore, I demand their immediate removal : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account : XXXX ) XXXX XXXX XXXX ( Account : XXXX ) 2. Closed Account with Late Payment Marks ( Correction Required ) My credit report reflects a closed account with late payment marks, which is unfairly damaging my credit score. As per 15 U.S. Code 1681b and 1681c, the information reported must be accurate and fair. I request an immediate review and removal of these negative marks : XXXX XXXX XXXX ( Account : XXXX ) 3. Unauthorized Collection Accounts ( Immediate Removal Required ) I have discovered that certain collection accounts appear on my credit report without my authorization or consent. According to 15 U.S. Code 1681s-2 ( a ), data furnishers are required to ensure the accuracy of the information they report. These accounts must be removed immediately : -National Recovery Agency ( Account : XXXX ) -Debt Recovery Solutions ( Account : XXXX ) Legal Basis for My Request The presence of these errors on my credit report constitutes a violation of several provisions under the FCRA, including : 15 U.S. Code 1681b Governs permissible purposes for accessing and reporting information on a consumers credit report.

15 U.S. Code 1681i Requires credit bureaus to investigate and correct disputed information.

15 U.S. Code 1681s-2 Obligates furnishers to ensure the accuracy of reported information.

15 U.S. Code 1681e ( b ) Mandates credit reporting agencies to maintain maximum possible accuracy. 
Supporting Documentation Attached To substantiate my request, I have attached the following documents : Identity theft report filed with the Federal Trade Commission ( FTC ). 
Letter sent to the Buro agency and proof of my iD Documentation highlighting the inaccuracies in my credit report. 
Actions I Expect from CFPB support to Experian Given the above, I formally request the following corrective actions : Immediate deletion of the unauthorized hard inquiries. 
Immediate removal of the unauthorized collection accounts. 
Deletion of the incorrectly reported charge-off accounts. 
Written confirmation that these corrections have been completed. 
Next Steps if No Resolution is Provided I trust that Experian will comply with its legal obligations and correct these errors as soon as possible. However, if I do not receive a timely response, I will be left with no choice but to escalate this matter further by filing additional complaints with XXXX XXXX XXXX XXXX ( XXXX  ), the Florida Attorney Generals Office, and other regulatory authorities. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Please confirm receipt of this request and provide a timely update on the corrective actions taken.

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