Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Experian Dispute Department** XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Dispute of Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Dear Experian, I am writing to formally dispute the reporting of the XXXX XXXX unsecured XXXX account ( Account # XXXX ) currently listed on my credit report in collection status. This account contains inaccurate and incomplete information, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

Pursuant to **15 U.S.C. 1681e ( b ) ** of the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information included in consumer credit reports. In this case, the information reported about the above account is neither accurate nor complete.

Additionally, under **15 U.S.C. 1681i ( a ) **, if a consumer disputes the accuracy of any item of information, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate and delete or correct the information if inaccuracies are found. 

XXXX XXXX XXXX XXXX XXXXXXXX Protections & Case References : XXXX. **Accuracy of Reporting** : According to **15 U.S.C. 1681c ( a ) **, inaccurate, incomplete, or unverifiable information must be promptly corrected or removed from a consumer 's credit file. The information related to this account does not meet these standards.

2. **Deletion of Fraudulent Information** : Under **15 U.S.C. 1681s-2 ( a ) ** furnishers of information are required to ensure accuracy when reporting data to credit bureaus. If fraud or inaccuracies are found, the information must be deleted from the consumer 's report. 

3. **Case Law Example** : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) **, the Supreme Court underscored XXXX XXXX of credit reporting agencies for reporting inaccurate information that negatively impacts consumers. Similarly, in *XXXX XXXX XXXX XXXX XXXXXXXX was held accountable for failing to correct inaccurate information after notification, setting a precedent for consumer rights in such disputes.

As this account is fraudulent and contains false or incomplete information, I respectfully request that it be removed immediately from my credit report. Failure to comply may result in escalation, as I intend to file complaints with the **Consumer Financial Protection Bureau ( CFPB ) ** and the **Office of the Attorney General**.

Enclosed are copies of my credit report highlighting the disputed account, along with my identification and proof of address.

Please provide me with written confirmation once the investigation is complete, along with an updated credit report reflecting the removal of this account. 

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