Consumer complaint received 2025-01-30 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: DE

Complaint narrative:
I am writing to dispute certain entries on my credit report, which I believe are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. In light of the recent legal action against your agencies, I respectfully request that the following item ( s ) be permanently removed from my credit report as they fail to comply with FCRA guidelines and have been identified as a part of your organizations violations in recent lawsuits.

Specifically, the disputed information violates several provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 1 ) Duty of agencies to investigate disputes According to this provision, upon notification of a dispute, you are required to investigate the dispute within 30 days, and if an item is found to be inaccurate, it must be corrected or deleted. As outlined in the recent lawsuit, your failure to comply with these requirements has resulted in the persistence of inaccurate information on consumer reports.

15 U.S.C. 1681e ( b ) Accuracy of information This provision mandates that consumer reporting agencies must ensure that the information they report is accurate. The disputed information on my credit report does not meet this standard and must be permanently removed, as your failure to correct these errors has been highlighted in the legal action filed against your organization.

The following account ( s ) are in dispute : XXXX XXXX XXXX Opened XX/XX/year> amount of {$2500.00} XXXX XXXX  Opened XXXX XXXX amount of {$760.00} Given that the information reported is inaccurate and non-compliant with FCRA regulations, and in light of the ongoing litigation concerning these practices, I respectfully request that these items be permanently removed from my credit file. 

Furthermore, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide written confirmation of your decision, including the results of your investigation. If you determine that the disputed information is not inaccurate, I expect a detailed explanation and evidence supporting your conclusion, as required under the FCRA. 

Please be advised that under 15 U.S.C. 1681s-2 ( b ), you are also obligated to notify the entity that reported the inaccurate information once a dispute has been resolved. I expect that the removal of these items will be communicated directly to all relevant parties.

In light of the violations outlined in the lawsuit against Experian and XXXX, I trust that this matter will be handled promptly, and I request the permanent removal of the items from my credit report in accordance with the law. 

Please confirm receipt of this letter and the actions you will take regarding this dispute within the timeframe required by law. 

Thank you for your prompt attention to this matter. 

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