Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to demand the immediate and permanent deletion of inaccurate information reported by XXXX XXXX XXXX on my Experian credit report, associated with account number XXXX. Given the persistent inaccuracies and the failure of multiple reinvestigations to rectify these errors, deletion is not only necessary but legally mandated under the Fair Credit Reporting Act ( FCRA ). 
Summary of Inaccuracies Inaccurate Account Status : The account status reported by XXXX XXXX XXXX is demonstrably incorrect, failing to reflect the true state of my account. Despite multiple disputes, the information remains inaccurate, showing a clear and persistent error in reporting. 
Outdated and Unverifiable Information : The data reported is outdated and can not be reliably verified. XXXX XXXX XXXX has failed to update or correct this information through the proper channels, resulting in ongoing harm to my credit profile. 
Legal Grounds for Immediate Deletion : Under the FCRA, particularly Section 611, consumers are protected from the continued reporting of inaccurate or unverifiable information on their credit reports. The law is explicit in its mandate : Failure to Correct Errors After Multiple Reinvestigations : Despite multiple reinvestigations, XXXX XXXX XXXX has failed to correct the inaccuracies in my credit report. This repeated failure constitutes a clear violation of FCRA Section 611 ( a ) ( 5 ) ( A ), which requires that any information that can not be corrected or verified must be immediately deleted from the consumers credit file.

Legal Mandate for Deletion : The FCRA provides no latitude for credit bureaus to continue reporting inaccurate information once it has been disputed and found to be unverifiable. The law is clear that the only appropriate and legally compliant response at this stage is the immediate deletion of the erroneous information. Any further attempt to reinvestigate the matter would be futile and a further violation of my rights under the FCRA. 
Ongoing Harm and Liability : The continued reporting of this inaccurate information has caused significant damage to my creditworthiness and financial standing. The FCRA provides consumers the right to seek legal recourse for such damages, including statutory and punitive damages, in cases where credit bureaus and furnishers fail to comply with their obligations. The continued presence of this erroneous information leaves the responsible parties open to substantial liability. 

Demand for Immediate Action : Given the clear legal obligations and the repeated failures to correct the inaccuracies through reinvestigation, I am demanding the immediate and permanent deletion of the XXXX XXXX XXXX account from my credit report. This is not merely a request but a legal requirement under the FCRA, which mandates that inaccurate and unverifiable information must be removed without delay. 
I expect written confirmation of this deletion within the week as this company has failed to re-investigate multiple times Failure to comply will leave me no choice but to escalate this matter, including filing formal complaints with the Federal Trade Commission ( FTC ), and pursuing legal action to seek full redress for the harm caused by these violations. 

Thank you for your prompt attention to this matter. I trust that you will act swiftly to ensure compliance with the FCRA and to prevent any further damage to my credit profile.

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