Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Formal Dispute of Inaccurate Information and Notification of Legal Violations Dear Experian Dispute Department, I am writing to formally dispute inaccurate information in my credit file. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5531 et seq. ), I demand immediate action to investigate and rectify these errors. 
Specifically, I have identified the following tradeline ( s ) in my credit file that are inaccurate or improperly reinserted : Experian*** Account Name : XXXX XXXX Account XXXX Card Monthly Payment {$25.00} XXXX Date Closed -- Date Closed -- Balance {$620.00} XXXX ** XXXX XXXX Account XXXX Card Monthly Payment {$25.00} XXXX Date Closed -- Date Closed -- Balance {$620.00} XXXXXXXX XXXX   XXXX Account XXXX Card Monthly Payment {$25.00} XXXX Date Closed -- Balance {$310.00} Balance {$0.00} XXXX XXXX Account XXXX Monthly Payment {$0.00} Date XXXX Date XXXX High Balance {$580.00} XXXX XXXX  Account XXXX Monthly Payment {$0.00} Date XXXX Date XXXX High Balance {$580.00} XXXX Not reporting XXXX Account Name : XXXX XXXX Monthly Payment {$0.00} Date XXXX Date Closed -- XX/XX/year> Balance {$0.00} High Balance {$470.00} XXXX Account Name : XXXX XXXX Monthly Payment {$0.00} Date XXXX Date Closed -- XX/XX/year> Balance {$0.00} High Balance {$580.00} XXXX Account Name : XXXX XXXX Monthly Payment {$0.00} Date XXXX Date Closed -- XX/XX/year> Balance {$0.00} High Balance {$580.00} Violations of FCRA Under 15 U.S.C. 1681e ( b ), you are required to maintain and utilize reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. The inclusion of inaccurate or incomplete information in my file demonstrates your failure to uphold this standard.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ), you are prohibited from reinserting previously deleted information unless specific procedures are followed, including providing me with written notice of the reinsertion. To date, I have not received such notice, which is a direct violation of the law.

Violations of CFPA Your failure to prevent the reinsertion of inaccurate tradelines also constitutes an unfair act or practice under 12 U.S.C. 5531 ( c ), as it causes substantial harm to consumers, including myself, without justification. This behavior undermines trust in your reporting processes and creates unnecessary financial hardship.

Requested Actions I request the following actions be taken immediately : 1. Conduct a thorough investigation of the disputed tradeline ( s ) under 15 U.S.C. 1681i ( a ) and provide me with the results.

2. Remove all inaccurate or incomplete information from my credit report.

3. Cease the reinsertion of inaccurate tradelines and provide written documentation of the procedures followed to ensure compliance with the FCRA.

4. Provide me with a copy of my updated credit report reflecting these changes. 
Supporting Documentation I have enclosed copies of the following documents to support my dispute : A copy of my credit report highlighting the disputed tradeline ( s ).

Correspondence with the original creditor ( s ), if applicable. 
Any additional relevant documentation. 
Next Steps If you fail to correct these issues within the required time frame, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursue all legal remedies available to me. I also request written confirmation of receipt of this dispute within five business days of receiving this letter. 
Thank you for your prompt attention to this matter. I look forward to receiving your confirmation and a resolution. 
Sincerely

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