Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. 

XXXX XXXX  XXXX account number XXXX : The information provided has not been certified to meet reporting standards. The data may not be accurate, complete, or up to date. I demand that any inaccurate, incomplete, or unsupported material be removed. 

XXXX XXXX XXXX account number XXXX : The information has not been verified to meet reporting standards. The data provided is not complete, accurate, or up-to-date, and I demand that it be corrected. 

XXXX XXXX XXXX Account number XXXX : The account XXXX  XXXX XXXX ( XXXX ) on my credit report is inaccurate, showing CollectionOrChargeOff. Dates XXXX and XXXX are incorrect, which blocks my financing. As per 15 U.S.C. 1681g, agencies must ensure accuracy. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), XXXX v. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), and XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), courts stressed correcting inaccuracies. I request immediate deletion and proof of the {$2000.00}. 

XXXX XXXX account number XXXX : The account XXXX XXXX ( XXXX ) on my credit report shows an incorrect rating of CollectionOrChargeOff, with dates XXXX and XXXX. This error is affecting my credit applications. Under 15 U.S.C. 1681n, please delete this account and provide evidence of the {$1300.00}. 

XXXX  XXXX XXXX XXXX Account Number XXXX : I dispute the incorrect reporting of the account XXXX  XXXX XXXX XXXX. with number XXXX on my credit report. Currently, this account is listed as CollectionOrChargeOff, with an opening date recorded as XXXX, a date of last activity as XXXX, and it was last verified on XXXX. These inaccuracies are affecting my ability to secure financing, such as mortgage approvals and better loan terms. Pursuant to 15 U.S.C. 1681g ( a ), I am entitled to receive full disclosure regarding the information being reported about me, and credit reporting agencies are obligated to ensure the accuracy of such information. Therefore, I request that you provide all documentation used to verify the accuracy of this account, along with proof of the claimed {$850.00}. The importance of this accuracy was highlighted in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where it was established that credit reporting agencies have a duty to correct inaccuracies promptly. Moreover, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) reinforced the obligation to conduct thorough investigations and remove unverifiable information. I am formally requesting that this account be deleted from my credit report. Please take immediate corrective action to resolve this matter.

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