Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Final Demand for Immediate Removal of Inaccurate Information ________________________________ To Whom It May Concern, ___________________________________ I am writing to formally notify you that the information contained in my credit report, as outlined below, remains inaccurate despite my previous efforts to correct it. I initially notified you over 30 days ago via certified mail, providing the necessary documentation and filing a formal complaint with the Federal Trade Commission ( FTC ) regarding these inaccuracies. Despite this, you have failed to conduct a proper re-investigation and have not removed the erroneous information as required by the Fair Credit Reporting Act ( FCRA ) ._____________________________________ Under Section 1681i of the FCRA , credit reporting agencies are required to investigate disputes within 30 days of receiving notice from the consumer. As I have already informed you of the inaccuracies and provided the necessary supporting evidence, the law mandates that you complete this re-investigation, block the information while it is disputed and either correct or permanently remove the disputed items within the 30-day window.________________________________________ It has now been over 30 days since I notified you of these inaccuracies, and I have not received any satisfactory response from your agency. This failure to act is in direct violation of the FCRA, specifically Section 1681i ( a ) ( 1 ) ( A ), which requires you to conduct a reasonable reinvestigation of disputed information. Furthermore, Section 1681e ( b ) mandates that you maintain " reasonable procedures to ensure maximum possible accuracy '' in the information you report, which includes promptly removing known inaccuracies.________________________ Inaccurate Accounts in Dispute : _________ ( XXXX ) Reported Creditor : Dept of XXXX XXXX XXXX XXXX XXXX : XXXX Reported Acct # : XXXX Dispute : Reinvestigation not completed and updated within 30 days_______ Dispute : Information Incomplete & Inaccurately reported_______ Demanded Action : Block and Remove immediately__________________ ( XXXX ) Reported Creditor : Dept of XXXX XXXX Reported Date Opened : XXXX Reported Acct XXXX XXXX XXXX XXXX : Reinvestigation not completed and updated within 30 days_______ Dispute : Information Incomplete & Inaccurately reported_______ Demanded Action : Block and Remove immediately________________ ( XXXX ) Reported Creditor : XXXX XXXX / XXXX _______ Reported Date Opened : XXXX Reported Acct # : XXXX Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & Inaccurately reported_____ Demanded Action : XXXX & Remove Immediately________________ ( XXXX ) Reported Creditor : Dept of XXXX / XXXX _____ Reported Date Opened : XX/XX/XXXX ______ Reported Acct # : XXXX Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & Inaccurately reported_____ Demanded Action : XXXX & Remove Immediately__________ ( XXXX ) Reported Creditor : Dept of XXXX XXXX _____ Reported Date Opened : XX/XX/XXXX _____ Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : XXXX & Remove Immediately_______________ ( XXXX ) Reported Creditor : Dept of XXXX XXXX _____ Reported Date Opened : XX/XX/XXXX _____ Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : XXXX & Remove Immediately_________________ ( XXXX ) Reported Creditor : Dept of XXXX XXXX _____ Reported Date Opened : XX/XX/XXXX Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : XXXX & Remove Immediately_______________ ( XXXX ) Reported Creditor : Dept of XXXX XXXX _____ Reported Date Opened : XX/XX/XXXX _____ Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : XXXX & Remove Immediately________________ ( XXXX ) Reported Creditor : Dept of XXXX XXXX _____ Reported Date Opened : XX/XX/XXXX _____ Reported Acct # : XXXX _____ Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : XXXX & Remove Immediately________________ ( XXXX ) Reported Creditor : Dept of XXXX XXXX _____ Reported Date Opened : XX/XX/XXXX _____ Reported Acct # : XXXX _____ Dispute : Information is incomplete & inaccurately reported_____ Demanded Action : XXXX & Remove Immediately______________ ( XXXX ) Reported Creditor : XXXX XXXX XXXX Reported Original Creditor : XXXX XXXX XXXX Reported Date Opened : XXXX Reported Acct # : XXXX Dispute : Information is incomplete & inaccurately reported_____ Dispute : Can not Verify the original contract and Original account # _____ Demanded Action : XXXX & Remove Immediately _______________________________ As I have already provided the necessary documentation and filed a complaint with the FTC, you are now on notice that you are in violation of the law. I am therefore demanding that these items be removed from my credit report immediately, and I am requesting that this be done within 5 days of receipt of this letter.______________________________ Failure to remove these inaccurate items within the next 5 days will leave me no choice but to pursue further legal action. Under Sections 1681n and 1681o of the FCRA, you may be subject to civil penalties, including statutory damages, actual damages, and attorney 's fees. Additionally, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office, all of which have the authority to enforce the FCRA and impose penalties for non-compliance.______________________________ Please consider this your final notice to remove the disputed items from my credit report within the requested 5-day period. If this matter is not resolved within that time frame, I will proceed with all available legal remedies to protect my rights under the law. __________________________ I expect a written response confirming the removal of the inaccurate entries from my credit report within the specified time frame.

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