Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Date : XX/XX/XXXX To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Cease and Desist Clarification Account Ending in XXXX / Ongoing Inaccurate Reporting To Whom It May Concern, This letter is to formally clarify the reason I previously issued a cease and desist notice to XXXX XXXX, and to address your continued misuse of that request as an excuse for failing to correct inaccurate reporting tied to my personal account XXXX. 

The cease and desist you refer to was issued because XXXX XXXX placed my husbands credit card account on my credit profile, which I am not legally responsible for. That incorrect and unauthorized reporting directly impacted my personal credit file and it was that wrongful action that prompted my cease and desist. I was absolutely within my rights to demand that XXXX XXXX stop reporting or attempting to collect on an account that was not mine and should never have been tied to my file in the first place. 

That cease and desist, however, does not release XXXX XXXX from its legal obligation to investigate and correct inaccurate reporting on my actual account, which you are continuing to mishandle. 

The account ending in XXXX is mine, and I am not disputing that. What I am disputing is : The inflated balance of {$1100.00} The incorrect reporting of dates, including the last activity and charge-off The lack of documentation supporting your XX/XX/XXXX verification The failure to comply with XXXX XXXX XXXX standards Capital One has had months to address these concerns. I have personally submitted more than XXXX letters and disputes. Your response in claiming you dont know who I am is both disingenuous and disrespectful, especially after I've repeatedly identified myself and provided supporting documentation. 

As the furnisher of this information, XXXX XXXX is legally responsible under 15 U.S. Code 1681s-2 to report only accurate, complete, and verifiable data. That obligation does not disappear because of a cease and desist related to a different ( and improperly linked ) account. You are also required by 15 U.S. Code 1681i to conduct a reinvestigation when a consumer disputes information on their credit report. 

I am demanding that XXXX XXXX : Fully reinvestigate and correct all disputed data on this tradeline Delete or correct the balance, status, and date information as required by FCRA and Metro 2 Remove any other XXXX XXXX accounts that do not belong to me from my credit profile Provide a written response within 15 business days If you do not respond accordingly, I will pursue further legal action and file renewed complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Office. I will also explore civil claims for credit harm, defamation, and negligent reporting. 

I expect this matter to be addressed seriously and professionally moving forward. The misuse of my cease-and-desist notice to avoid legitimate dispute resolution will not be tolerated. I am just trying to fix my credit after a financial hardship that me and my husband faced. If these credit companies didn't play so many silly games this would have been resolved months ago. I had an excellent credit history with XXXX XXXX and they just closed my card without even notifying me due to a hiccup at my bank. I just want to fix this and move on from this nonsense. 

Sincerely, XXXX 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