Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX To whom it may concern : Subject : Dispute of Inaccurate Information on Credit Report XXXX I am writing to formally dispute several inaccuracies on my credit report as per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ). These inaccuracies have negatively impacted my credit score, and I request their immediate investigation and removal. 

Accounts with Closed Status Dispute for Removal The following closed accounts contain inaccuracies that warrant their removal : XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Under 15 USC 6802, I have the right to privacy, and my information should not be retained inaccurately without valid consent. Additionally, these accounts are closed, and I request validation of any continued reporting. For late payments, I invoke 15 USC 1681 ( 2 ) ( xi ), 15 USC 1666b, and 12 CFR 1026.b, which mandate timely and accurate reporting of accounts. 

Collection Accounts Dispute for Removal The following accounts are reported in collections but violate my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX XXXX - Account # XXXX XXXX. XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX Under 15 USC 1692c, I have not been properly notified about my rights to dispute these debts. Further, 15 USC 1692g requires debt validation, which has not been provided. Finally, per 15 USC 1681e ( b ), credit reporting agencies must ensure maximum accuracy, which has not been done in this case. 

Hard Inquiries Dispute for Removal The following inquiries appear on my credit report without permissible purpose or my explicit consent : 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 Under 15 USC 1681b, hard inquiries require permissible purpose. These inquiries were not authorized by me and must be removed immediately.

Request for Action I request that Experian immediately investigate and remove the above items from my credit report. Delete all addresses except for XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Please provide me with the results of your investigation within 30 days as required by 15 USC 1681i.

Fee Schedule for Noncompliance : Late Payments : {$1000.00} per unresolved item Collections : {$1000.00} per unresolved item Charged-Off Accounts : {$1000.00} per unresolved item Repossessions : {$1000.00} per unresolved item Hard Inquiries : {$1000.00} per unresolved inquiry If the requested items are not removed or verified within 30 days pursuant to 15 USC 1681n , I reserve the right to pursue legal action, including civil penalties for willful noncompliance. 

Supporting Documents I have attached copies of my credit report highlighting the disputed items for your reference. Additionally, you will find a copy of my identification and proof of address to verify my identity. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and keep me updated on the status of the investigation.

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