Consumer complaint received 2025-02-18 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: IL

Complaint narrative:
Subject : Demand for Immediate Deletion of Inaccurate Account from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of an inaccurate account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified an account entry that is inaccurately reported and must be removed promptly to avoid legal repercussions.

The inaccurate account entry is as follows : Creditor Name : XXXX XXXX Account NumberXXXX Date Opened : Creditor refused to give me any information Error in report : Reporting no data or data information on XX/XX/XXXX until XX/XX/XXXX. No information reported for original creditor, company sold, monthly payment, last payment and your statement. 
Balance : {$8600.00} Creditor Name : At XXXX XXXX XXXX XXXX XXXX Account Number:XXXX Date Opened : XX/XX/XXXX Error in report : Reporting no data or data information from XX/XX/XXXX until XX/XX/XXXX under payment history.Account Number with XXXX XXXX XXXX : XXXX. Account Number with XXXX : XXXX. Balance Reported : {$430.00}. Date Opened with XXXX XXXX XXXX : XXXXDate Account went to Collection : XX/XX/XXXX Balance : {$430.00} I assert that this account entry is inaccurate and violates my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of this inaccurate account on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of this inaccurate account from my credit report unless the creditor wishes to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditor and any consumer reporting agencies that continue to report this inaccurate account on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate account from my credit report and provide me with written confirmation of its removal within 5 days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above.

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