Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX Experian Information Solutions , Inc.

XXXX XXXX XXXX XXXX, TX XXXX Re : Urgent Dispute of Inaccurate Credit Report Information & Notice of Legal Action To Whom It May Concern, I am writing to formally dispute certain account ( s ) currently reported on my credit file maintained by your agencies, Equifax and Experian. I assert that these accounts contain inaccuracies, and I demand their immediate removal in compliance with federal law. 

Legal Context & Urgency : It is publicly known that Equifax and Experian are presently involved in ongoing litigation for publishing and maintaining misinformation on consumers credit reports, which directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, both agencies are accused of negligence and willful misconduct in reporting and failing to correct inaccurate information, which has caused harm to consumers like myself. 

Legal Basis for Dispute : Under the FCRA, particularly 15 U.S.C. 1681c-2, credit bureaus are prohibited from reporting accounts that are more than seven years old, and 15 U.S.C. 1681i ( a ) mandates that any disputed information must be thoroughly reinvestigated within 30 days. Additionally, 15 U.S.C. 1681 ( 2Xi ) and USC 1666b emphasize the importance of accuracy, completeness, and timely correction of credit data. 12 CFR 1026.13 enforces the principles of fair, non-discriminatory credit reporting. 

Current Legal Action : Given that Equifax and Experian are actively involved in lawsuits for misreporting, I am exercising my rights under these laws to demand the permanent removal of these disputed accounts from my credit report. Failure to do so within 7 days of receipt of this letter will be considered a breach of federal law and your legal obligations, and I will pursue all available remedies, including reporting your negligence to regulatory agencies and initiating legal proceedings. 

My Demands : Immediate removal of all inaccurate, outdated, or unverifiable account information. 
A detailed reinvestigation report, including all supporting documentation. 
Confirmation in writing within 7 days that the disputed accounts have been permanently removed or corrected. 

Notice of Intent to Pursue Legal Action : Be advised, should you fail to comply within the specified timeframe, I will not hesitate to escalate this matter through legal channels, citing your ongoing involvement in litigation for misconduct, and seeking damages for your negligence and violations of federal law. 

Please acknowledge receipt of this dispute and confirm the actions taken. I can be reached at the contact details above. 

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