Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX  TX XXXX RE : DEMAND FOR DELETION OF XXXX XXXX XXXX ACCOUNT Account name : XXXX XXXX XXXX  Account number : XXXX To Whom It May Concern, I am writing to put you on notice regarding a blatant inconsistency in my consumer credit reports that Experian is legally obligated to correct immediately. 

XXXX  has already deleted the XXXX XXXX XXXX account from my credit file. 

A screenshot of my XXXX  credit report showing the XXXX XXXX XXXX account is no longer present. 

This deletion was the result of a formal dispute I filed concerning the accuracy and validity of the account. Following their investigation, XXXX  rightfully removed the account. As such, your continued reporting of this account is not only inaccurate, it is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

FCRA 607 ( b ) Maximum Accuracy Under 15 U.S. Code 1681e ( b ), Experian is required to follow reasonable procedures to assure maximum possible accuracy of the information you report. If one national credit reporting agency ( XXXX  ) has removed a tradeline after investigation, and another ( Experian ) continues to report it, it can not be argued that your reporting is accurate or reasonable.

FCRA 611 Dispute Procedures Pursuant to 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if disputed information is found to be inaccurate or can not be verified, the CRA must delete it. XXXX  determined the account did not meet the standards for continued reporting. Therefore, Experian can not reasonably justify its inclusion in your report.

FCRA 602 Congressional Findings Congress has made it clear in 15 U.S. Code 1681 ( a ) ( 1 ) that inaccurate credit reporting directly impairs the efficiency of the banking system and that consumer reporting agencies have a grave responsibility to ensure fairness, impartiality, and a respect for the consumer 's right to privacy.

You are now officially on notice that the continued reporting of the XXXX XXXX XXXX account on my Experian credit report is false, misleading, and damaging. I am demanding the immediate deletion of this account from my Experian file to ensure consistency, accuracy, and compliance with the FCRA. 

I expect written confirmation of the deletion within 15 days of the date of this letter. No further delay will be tolerated. 

If Experian fails to delete this account within the legally mandated time frame or continues to report this item inaccurately, I will not hesitate to pursue formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, file a civil lawsuit under FCRA for damages related to willful or negligent noncompliance. 

This is your final opportunity to resolve this matter voluntarily and in good faith. 

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