Consumer complaint received 2025-04-06 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: NJ

Complaint narrative:
I am writing to request the investigation and removal of a specific account that appears on my credit report, provided by your bureau. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, I respectfully request that any inaccurate information be thoroughly investigated and that the disputed account be removed from my credit report immediately if it can not be validated or corrected. 

Account Details in Dispute Creditor Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Reported Balance : {$37000.00} High Credit : ( e.g., {$36000.00} on some reports vs. {$31000.00} on others ) Payment Status : Collection/Chargeoff Last Reported : ( e.g., XX/XX/XXXX for XXXX/Experian vs. XX/XX/XXXX for XXXX ) Date Opened : XXXX e.g., XX/XX/XXXX vs. XX/XX/XXXX ) Upon reviewing the information provided, I have identified significant discrepancies among the reports from the three credit bureausparticularly regarding the open date, balance, high credit amount, last reported date, and payment status. These inconsistencies call into question the accuracy and consistency of the information on my credit report. Therefore, I request that this account be removed from my credit report to prevent any incorrect or unverifiable data from negatively impacting my credit history.

Basis for Dispute Right to Accurate Information ( FCRA, Section 609 15 U.S.C. 1681g ) Under this section, I have the right to obtain and review the information in my credit report. I respectfully request detailed, manual verification of this account with the original creditor, not relying solely on automated systems ( e-OSCAR ). I also request a detailed response outlining the verification steps taken to ensure the accuracy of the reported data.

Reinvestigation of Disputed Information ( FCRA, Section 611 15 U.S.C. 1681i ) Per Section 611, I have the right to request a reinvestigation of any information that appears incorrect or inaccurate. I respectfully ask that this account be reviewed and promptly corrected or removed.

Removal of Inaccurate/Unverifiable Information ( FCRA, Section 611 ( 5 ) 15 U.S.C. 1681i ( 5 ) ) If, after a reinvestigation, the information can not be verified or is found to be inaccurate, the account must be removed from my credit report. I request that you comply with this requirement and remove any erroneous, incomplete, or unverifiable information without delay.

Responsibilities of Information Providers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) This section requires creditors and furnishers to ensure the accuracy and completeness of the data they report. If the original creditor ( XXXX XXXX XXXX ) can not validate these discrepancies, it must be corrected or removed in accordance with the FCRA. 

Compliance with Accuracy Procedures ( FCRA, Section 607 15 U.S.C. 1681e ( b ) ) Credit bureaus must follow reasonable procedures to achieve maximum possible accuracy. The presence of conflicting and inconsistent information indicates these procedures have not been met.

Permissible Purposes for Accessing the Credit Report ( FCRA, Section 604 15 U.S.C. 1681b ) Credit bureaus may only grant access to my credit report for specific and legally permitted purposes. I request confirmation that any access to my credit report related to this disputed account was for a legitimate and authorized purpose. If not, it violates the FCRA, and I request removal of any resulting inaccurate information.

Truth in Lending Act ( TILA, Section 1601 15 U.S.C. 1601 ) TILA reinforces my right to accurate and truthful information. I request the removal of any information that contradicts TILAs requirement for transparency and correctness in lending disclosures.

Supporting Case Law Cortez vXXXX XXXX XXXX, XXXX, 617 F.3d 688 ( 3d Cir. 2010 ) : Clarifies that credit bureaus must take reasonable measures to investigate consumer disputes.

Dennis v. BEH-1, LLC : Emphasizes the reasonable procedures standard under the FCRA.

These cases support my position that a thorough investigation and correction ( or removal ) of erroneous data are mandated under the FCRA.

Request I respectfully request that the disputed account be removed from my credit report immediately. If the information can not be validated, please include a detailed account of the steps taken and the result of the manual verification process.

Consequences of Non-Compliance Failure to comply with this request may be considered an unfair and deceptive practice, potentially subject to additional complaints under UDAAP ( Unfair, Deceptive, or Abusive Acts and Practices ). Should I not receive a satisfactory response, I reserve the right to : File formal complaints with the Attorney Generals Office, the Federal Trade Commission ( FTC ), and the XXXX XXXX XXXX XXXX XXXX XXXX 

Proceed with a formal online complaint or a small claims action if necessary. 

Thank you for your prompt attention to this matter. I look forward to receiving a favorable response addressing these inaccuracies.

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