Consumer complaint received 2025-02-05 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:
I am writing to demand the immediate removal of inaccurate and incomplete information currently reporting on my credit report. Despite multiple attempts over the last several months to resolve this issue, the following accounts remain listed with incorrect details : - **XXXX** - Credit Card Account Number : XXXX - **XXXX XXXX** - Credit Card Account Number : XXXX ( Delinquent Status ) - **XXXX** - Line of Credit Account Number : XXXX ( Collection Status ) Under the **Fair Credit Reporting Act ( FCRA ) **, I am entitled to a credit report that is accurate and complete. As the information on these accounts is clearly erroneous, I demand that it be either corrected or removed, in full compliance with the law. 

# # # Violation of the Fair Credit Reporting Act ( FCRA ) 1. **FCRA Sections XXXX and XXXX ( XXXX U.S. Code XXXX ) clearly require that credit reporting agencies maintain accurate information and that any inaccurate or unverifiable data be promptly removed. These accounts are not reporting correctly, and I demand their immediate deletion. 

2. **FCRA Section XXXX ( a ) ( 1 ) ( B ) ** mandates that furnishers of information to credit agencies, including Experian , must provide only accurate data. If any information is found to be inaccurate, it must be corrected or removed immediately. 

3. **FCRA Section XXXX ( XXXX U.S. Code XXXX ) further asserts that any fraudulent or unverifiable information must be removed from my credit report upon dispute. These accounts are inaccurate and, therefore, should be deleted without delay. 

In a similar case, **XXXX XXXXXXXX Experian Information Solutions**, Experian was held accountable for failing to correct inaccurate reporting, which led to financial harm for the consumer. This is a clear violation of my rights under the FCRA, and I will not accept any further delays in resolving this matter. 

# # # What I Expect from You I expect Experian to : 1. **Conduct an immediate investigation** of these disputed accounts, as required under Section 611 of the FCRA. 
2. **Delete these accounts** from my credit report if they can not be verified as accurate, as per the legal obligations outlined above. 
3. **Provide me with a written response** within 30 days, detailing the outcome of your investigation. 

If I do not see resolution within this timeframe, I will have no choice but to escalate the matter. I am sending copies of this letter to both the XXXXConsumer Financial Protection Bureau ( CFPB ) ** and the **Attorney General 's Office** for their awareness and further action. 

This is a formal request for your immediate attention and compliance with the law. I expect swift and complete action regarding the removal of these inaccurate entries from my credit report.

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