Consumer complaint received 2024-12-01 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: MI

Complaint narrative:
-- - XXXX XXXX XXXX XXXX. 
Customer Success Team RE : Consumer Financial Protection Bureau Complaint Case # XXXX Dear XXXX XXXX XXXX I am writing in response to your letter dated XX/XX/year>, regarding your investigation of my complaint filed with the Consumer Financial Protection Bureau XXXX While I appreciate your response, I respectfully request additional information under the Fair Credit Reporting Act ( FCRA ). Specifically, I am requesting the deletion and removal of the account from all credit reporting agencies, as I believe that the information reported is inaccurate and unverifiable. 

Under 15 U.S.C. 1681i ( a ), if an item on a credit report can not be verified, it must be deleted. As you are a data furnisher, you are required to ensure that the information provided to the credit reporting agencies is both accurate and verifiable. Therefore, I am formally requesting : 1. A detailed description of the methods of verification used during your investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

2. The specific documents and evidence relied upon to verify the accuracy of the information that was reported, including how the late payments were validated and how the account closure was handled in accordance with the requirements of 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in credit reporting. 



XXXX XXXX XXXX, XXXX be unable to provide verifiable and accurate evidence, I am requesting that the account in question, including any associated late payments, be immediately deleted from all credit reporting agencies, in accordance with 15 U.S.C. 1681i ( a ) ( 5 ), which requires deletion or modification of inaccurate or unverifiable information. 

Additionally, I would like to reference the following case laws that reinforce the importance of accuracy and proper verification under the FCRA : XXXX. XXXX XXXX XXXX XXXX XXXX Establishes that data furnishers must have a permissible purpose and ensure the accuracy of the reported information. 


XXXX. XXXX XXXX XXXX, LLC Highlights that furnishers are obligated to refrain from reporting inaccurate or unverifiable information, emphasizing the importance of correcting errors. 


XXXX. XXXX v. XXXX XXXX XXXX XXXX Demonstrates that failure to properly verify or correct inaccurate information can result in legal liability under the FCRA. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Emphasizes that data furnishers have a legal obligation to conduct reasonable investigations when a dispute arises. 



Furthermore, under 15 U.S.C. 1681s-2 ( b ), furnishers of information must promptly investigate disputes regarding the accuracy of reported information, and if they fail to verify the accuracy of the information, they are required to notify the credit bureaus to delete or modify the information.

Given these requirements, I request that the inaccurate information be permanently deleted from my credit reports if it can not be verified in accordance with FCRA regulations.

Please provide a response within the 30-day window as required by the FCRA. If the disputed information is not corrected or deleted, I will explore further legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance, which allows for monetary damages in cases where credit reporting violations occur. 

Thank you for your attention to this matter. I look forward to your prompt response. Should you need further information, ---

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