Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute of Collection Account on Credit Report Creditor : XXXX XXXX XXXX Experian / TransUnion / Equifax am writing to dispute the reporting of the above-referenced collection account on my credit report. This account was placed with XXXX XXXX XXXX for collection purposes only. However, as of XXXX XXXX XXXX, XXXX XXXX confirmed that they closed their involvement and returned the account to the original creditor, and they have requested the deletion of this account from all consumer reporting agencies. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies must ensure that the information they report is accurate and complete. Since XXXX XXXX has closed this account and requested its removal, continued reporting of this account is inaccurate and misleading. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I have the right to dispute any debt I believe is invalid or inaccurately reported. 

Please conduct a thorough reinvestigation of this account, verify the status directly with the creditor, and remove this collection account from my credit report promptly. I have attached a copy of the correspondence from XXXX XXXX confirming closure and their deletion request. 

If this collection account is not removed within 30 days, I will consider this a violation of the FCRA and may pursue all available legal remedies. 

Please send me written confirmation of your findings and actions. 
I am writing to formally dispute the continued reporting of the above-referenced collection account on my credit report. According to correspondence from XXXX XXXX XXXX, the collection agency assigned to this debt, the account was closed and returned to the original creditor on XXXX XXXX XXXX and XXXX XXXX has requested that the account be deleted from all consumer reporting agencies. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed information and ensure the accuracy and completeness of my credit report. Continuing to report this collection after the collection agency has closed the account and requested deletion is inaccurate and violates the FCRA. 

Furthermore, the creditor and collection agency have fulfilled their obligations under the law : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) requires debt collectors to report accurate information and promptly update or remove information if the debt is no longer valid or has been closed. 
XXXX XXXX closure of the account and request to delete the reporting demonstrates compliance with these legal obligations. 
Because the collection account is no longer active with XXXX XXXX, and they have requested deletion, continued reporting causes harm and is a violation of my consumer rights. 
Therefore, I demand that you promptly : Remove this collection account from my credit report, Confirm to me in writing that this removal has been completed, and Cease any further reporting of inaccurate or misleading information regarding this account. 
If you fail to comply with this request within 30 days, I reserve the right to pursue all available legal remedies under the FCRA, FDCPA, and any applicable state laws. 
Please find attached the letter from XXXX XXXX confirming closure and deletion request.

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