Consumer complaint received 2024-10-16 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: AZ

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Experians Violation of Consumer Rights Under FCRA Dear CFPB, I am writing to formally submit a complaint against Experian for repeated violations of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite multiple attempts to correct inaccuracies on my credit report, Experian has failed to remove erroneous and unverifiable accounts after four disputes.

The following accounts continue to be reported inaccurately, particularly regarding the Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened is inaccurate ) I have disputed these accounts on multiple occasions, and Experian has failed to follow the reasonable procedures required to ensure the accuracy of their reports, violating 15 U.S.C. 1681 ( e ) ( b ). Under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be deleted from the consumers file, yet Experian has neglected to comply with this requirement. 

I have provided proof of these inaccuracies by sending images supporting my claims, but Experian continues to report incorrect information, violating my consumer rights. 

I request your immediate intervention to resolve this issue and ensure that Experian adheres to the federal laws governing credit reporting. Their continued failure to correct these inaccuracies has caused undue harm to my financial standing. 

Thank you for your prompt attention to this matter. I look forward to your assistance in enforcing my rights. 

Sincerely, XXXX XXXX Demand Letter for Deletion to Experian Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Demand for Deletion of Inaccurate Accounts Dear Experian, I am writing to formally demand the deletion of the following accounts from my credit report, as they violate my federally protected consumer rights under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened is inaccurate ) Upon reviewing my Experian credit report dated XX/XX/year>, I identified these accounts as either inaccurate or unverifiable, specifically regarding the Date Opened and High Credit. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( e ) ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation must be deleted from the consumers file promptly. 

As I have previously disputed these accounts multiple times without resolution, I am now invoking my rights under this section and formally requesting that these accounts be deleted from my credit report immediately. 

I have provided proof of these inaccuracies through images submitted to Experian. Despite this, these accounts continue to be reported inaccurately, violating my rights under the FCRA. 

Please confirm the deletion of these accounts in writing and provide me with an updated copy of my credit report once these deletions have been made. 

Thank you for your prompt attention to this matter. I look forward to your swift confirmation that these issues have been fully resolved. 

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