Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Second Request for Immediate Deletion of Inaccurate Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Dear Sir/Madam, I am writing to formally demand an immediate and thorough reinvestigation of the following inaccurate and damaging account appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that credit bureaus ensure the highest level of accuracy in consumer reporting. 

Despite my initial dispute more than 30 days ago, I have yet to receive a response or correction regarding this matter. The complaint was submitted XX/XX/year>. The following account continues to appear on my credit report, which is an ongoing and unlawful injury to my creditworthiness, financial stability, and ability to provide for my family : Account Name : XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX  ) Legal Violations & Demands This account is being reported by a third-party debt collector, XXXX XXXX, and appears on all three major credit bureausExperian, XXXX, and XXXXwithout sufficient verification of its accuracy or legal validity. I demand its immediate removal in accordance with the following laws : Violation of FCRA 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy in consumer reports. The continued reporting of an unverified, erroneous, or potentially fraudulent account constitutes a clear breach of this requirement. 
Violation of FCRA 1681i ( a ) : When a consumer disputes information, the bureau must conduct a reasonable reinvestigation and delete any information found to be inaccurate, incomplete, or unverifiable. Failure to comply with this obligation may result in legal action against all responsible parties.

Violation of FCRA 1681s-2 ( b ) : Data furnishers ( including XXXX XXXX and XXXX XXXX XXXX XXXX. ) are legally obligated to conduct a meaningful investigation and delete any incorrect information. If they have failed to provide documented proof of this debts accuracy, you are required to delete it immediately. 
Fair Debt Collection Practices Act ( FDCPA ) Violations : If this debt has been sold or transferred without my consent or proper validation, its continued reporting constitutes illegal debt collection practices under 15 U.S.C. 1692e ( false or misleading representations ) and 15 U.S.C. 1692f ( unfair practices ).

Consumer Financial Protection Bureau ( CFPB ) Enforcement Actions : The CFPB has fined companies for similar reporting violations. If this issue is not resolved promptly, I will not hesitate to escalate this matter by filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. 
Personal Harm & Urgency Your failure to correct this error is directly harming me and my family. Because of this incorrect account : I have been denied mortgage approval, preventing me from purchasing a home for my children. 
My financial stability has been severely impacted, making it harder to provide for my familys basic needs. 
My ability to invest and build generational wealth is being obstructed.

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