Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Request for Removal of XXXX XXXX from Credit Report I am writing to formally request the removal of any collections reported by XXXX XXXX XXXX ( XXXX ) from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Background I have previously communicated with XXXX regarding account number XXXX and sent a cease and desist letter, which outlined my request for them to stop all communications and reporting regarding this account. In their response dated XX/XX/XXXX, XXXX stated that they placed the account in a restrictive status to prevent further collection activity. However, they also indicated that they had contacted credit bureaus to request a disputed status for this account and continued to update my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
FCRA and FDCPA Violations The continued reporting of this collection account constitutes several violations of the FCRA and FDCPA : 15 U.S.C. 1681s-2 ( a ) : This section prohibits a debt collector from reporting information they know to be inaccurate. XXXX 's actions in reporting this debt while acknowledging a dispute misrepresent the facts to credit reporting agencies. 
15 U.S.C. 1681s-2 ( b ) : This section requires debt collectors to conduct a reasonable investigation when they receive notice of a dispute. XXXX 's statement that factors beyond their control may prohibit them from confirming or denying the presence of inaccurate information suggests a failure to perform a proper investigation.

15 U.S.C. 1692c ( c ) : Once I requested that XXXX cease communication regarding this debt, they were legally prohibited from continuing to contact me, including reporting the debt to credit bureaus. 
15 U.S.C. 1692e : Reporting a debt that has been placed in a restrictive status misrepresents the validity of the debt, violating the prohibition against false or misleading representations in connection with the collection of any debt. 
Request for Action Due to these violations, I request that you remove all references to the XXXX collection account from my credit report immediately. Failure to comply with this request will result in my intent to seek legal remedies for each violation of the FCRA and FDCPA. 
Response Requirement Please confirm in writing that you have removed this account from my credit report within 30 days of receiving this letter. I appreciate your prompt attention to this matter. 
Consequences of Non-Compliance If you continue to report this charge-off account after receiving this notice, I will fully take legal action against you against the law. This includes seeking damages for each violation of both the FDCPA and FCRA, which may encompass statutory damages, actual damages, and attorney fees. 

Thank you for your immediate attention to this matter and I expect your compliance XXXX 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