Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I am writing to you for the third time to demand the immediate removal of XXXX XXXX account # XXXX from my credit report, as the information reported is erroneous, inconsistent, and unverifiable. Your failure to act on my previous requests demonstrates a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ), which is severely impacting my credit history and my consumer rights. 

DISCREPANCIES IDENTIFIED IN THE REPORTS After a thorough review of my credit report, I have identified multiple errors and inconsistencies in the information provided by Experian compared to other credit bureaus : Differences in the reported high balance : Experian and XXXX report a high balance of {$240.00}. 
XXXX incorrectly reports a high balance of {$200.00}. 
Inconsistencies in the date of last activity : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Errors in the reported date : Experian : No reported date. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Discrepancies in the account opening date : Experian and XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Errors in the account closure date : Experian and XXXX : No closure date provided. 
XXXX : XX/XX/XXXX Contradictions in the creditors remarks : Experian : " Account has been closed due to inactivity. '' XXXX : " Canceled by credit grantor. '' XXXX : " Account previously in dispute, now resolved by data furnisher. '' Differences in the credit limit : Experian and XXXX : {$200.00} XXXX : {$0.00} Errors in payment history : Experian shows a XXXX late payment, which is incorrect and not supported by any legitimate documentation. 
XXXX and XXXX also display contradictory late payment records. 
These discrepancies clearly demonstrate that Experian has failed to follow reasonable procedures to ensure maximum accuracy in my credit report. 

LEGAL BASIS FOR DEMANDING THE REMOVAL OF THIS ACCOUNT Under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, Experian is required to ensure the accuracy of the information reported and remove any data that can not be verified. 

Fair Credit Reporting Act ( FCRA ) Section 609 ( 15 U.S.C. 1681g ) : Grants me the right to access my credit information and demand corrections for errors.

Section 611 ( 15 U.S.C. 1681i ) : Requires Experian to reinvestigate and delete inaccurate information within 30 days if it can not be verified.

Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Prohibits creditors from reporting information they know to be incorrect or contradictory. Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Mandates th
at Experian follow reasonable procedures to ensure maximum accuracy.

Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 ( c ) : Prohibits abusive, unfair, or deceptive practices in credit reporting.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : Requires creditors and agencies to properly verify debts before reporting them. 
RELEVANT CASE LAW SUPPORTING MY CLAIM XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : The U.S. Supreme Court ruled that reporting inaccurate information that harms consumers violates the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Emphasized that credit reporting agencies must ensure the accuracy of reported information. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Ruled that even without tangible harm, reporting inaccurate information constitutes an FCRA violation. 
FINAL DEMAND AND LEGAL ACTIONS Since this is my third request, I consider your inaction a serious and intentional violation of the law. If I do not receive written confirmation of the immediate removal of XXXX  XXXX account # XXXX within 15 days, I will take the following actions : ** File a formal complaint with the Federal Trade Commission (

FTC ). Report Experians negligent credit reporting practices to
my State Attorney Generals Office. 
Explore legal action against Experian for violating the FCRA and other consumer protection laws. 
I urge you to comply with your legal obligations and proceed with the immediate removal of this erroneous account. 

I have attached a copy of my identification and the relevant credit reports demonstrating these inconsistencies. I expect an immediate written response in compliance with the law.

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