Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Reporting and Notification of Federal Violations To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report dated XX/XX/XXXX, and to notify you of multiple violations of federal statutes under the Fair Credit Reporting Act ( FCRA ). Despite prior disputes and ample time for correction, the following inaccurate and unverifiable items remain on my report : Disputed Items XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX - {$1100.00} o Issue : Incorrect balance, late payment for XX/XX/XXXX, and past due amount of {$74.00}. 
o Dispute History : XX/XX/XXXX : Identified inaccuracies in the balance, payment history, and past due amount. 
o Violation : The account remains unverifiable and inaccurately reported despite prior disputes. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX - Charged-Off for {$7900.00} o Issue : Charge-off status and balance are inaccurate and unverifiable. 
o Dispute History : XX/XX/XXXX : Filed a dispute via CFPB ( Complaint # XXXX ). 
XX/XX/XXXX : Followed up, requesting verification under FCRA. 
o Violation : Continued reporting of unverifiable information despite failure to substantiate accuracy. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX - Charged-Off for {$93.00} o Issue : Unverifiable charge-off balance and inaccurate payment history. 
o Dispute History : XX/XX/XXXX : Disputed through CFPB ( Complaint # XXXX ). 
XX/XX/XXXX : Submitted formal request to Experian for verification of account accuracy. 
o Violation : Lack of proper verification under FCRA after multiple disputes. 
XXXX. XXXX XXXX XXXX XXXX Account for {$1000.00} o Issue : Previously deleted after dispute but reinserted without notification, in direct violation of FCRA Section 611. o Dispute History : XX/XX/XXXX : Experian confirmed deletion after formal dispute. 
XX/XX/XXXX : Account reappeared on the credit report without proper notification of reinsertion. 
o Violation : Failure to comply with reinsertion notification requirements under FCRA. 
XXXX. XXXX Card Services Account # XXXX - Charged-Off for {$4500.00} o Issue : Unverifiable charge-off status and balance discrepancies. 
o Dispute History : XX/XX/XXXX : Submitted dispute to Experian, requesting verification and correction of discrepancies. 
XX/XX/XXXX : Experian failed to provide verification or correction despite multiple communications. 
o Violation : Experians repeated failure to provide evidence or correct inaccuracies despite prior disputes. 
Violations of Federal Law 1. 15 U.S.C. 1681i ( a ) ( 5 ) : Procedure in Case of Disputed Accuracy o You failed to delete inaccurate and unverifiable information following prior disputes. Under this statute, consumer reporting agencies must promptly delete any information that can not be verified or is found to be inaccurate during reinvestigation. 
XXXX. 15 U.S.C. 1681s-2 ( b ) : Responsibilities of Furnishers of Information o After being notified of my disputes, the furnishers of information did not properly investigate or provide evidence to substantiate the information provided to you. By continuing to report this data, you are in violation of the FCRA. 
XXXX. 15 U.S.C. 1681e ( b ) : Accuracy of Report o You have failed to establish and maintain reasonable procedures to ensure the maximum possible accuracy of the information in my credit report. This failure has resulted in the continued reporting of false and harmful data. Requested Action Pursuant to your legal obligations under the FCRA, I demand the immediate and permanent deletion of the inaccurate and unverifiable information listed above. If you can not verify the accuracy of the disputed items, they must be deleted immediately. 
Next Steps If this matter is not resolved promptly, I will escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. I am prepared to take further action to enforce my rights under federal law, including seeking legal remedies if necessary. 
I expect a response confirming the permanent deletion of these items within the legally mandated timeframe of XXXX  days. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX Enclosures : XXXX. Latest Experian Credit Report ( dated XX/XX/XXXX ). 
XXXX. CFPB Complaint Records and Previous Dispute Letters. 
XXXX Credit Report Excerpts Highlighting Errors.

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