Consumer complaint received 2025-01-05 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Deletion of Accounts Due to FCRA Violations and Derogatory Mark Issues Dear Experian, I am writing to formally dispute the accuracy of several accounts on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., and specifically section 1681e ( b ), which mandates the reporting of information with " maximum possible accuracy. '' Upon reviewing my credit report, I have found multiple instances where the accounts listed contain inaccuracies, particularly regarding open dates, dates last active, late payments, repossession, collections, and other derogatory marks. These discrepancies constitute violations of the FCRA and other related consumer protection statutes. I request the immediate deletion of the following accounts based on these violations : XXXX XXXX XXXX - Account # XXXX The open date and date last active are inaccurate and fail to comply with the accuracy standards required by 15 USC 1681e ( b ). Additionally, any derogatory information related to late payments, repossession, or collections has not been properly verified, violating the requirements of 15 USC 1681i ( disputes ) and 15 USC 1681s-2 ( responsibilities of furnishers of information ).

Delete this account immediately for violation of 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2. 

XXXX XXXX - Account # XXXX The open date and date last active are inaccurate, and there are unverified negative marks related to late payments and potential repossession that violate 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2. 
Delete this account immediately for violations of 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2. 

XXXX - Account # XXXX The open date and date last active are not accurate, and derogatory information related to late payments, collection activities, or repossession has not been substantiated as required by 15 USC 1681i and 15 USC 1681s-2.

Delete this account immediately for noncompliance with 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2. 

XXXX - Account # XXXX The open date and date last active are inaccurate, and any negative reporting regarding late payments, collections, or repossession is unverified, violating 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2.

Delete this account immediately for failure to meet the standards under 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2. 

XXXX - Account # XXXX The open date and date last active are inaccurate, and this account reflects negative derogatory marks, such as late payments and collection activity, that have not been verified in accordance with 15 USC 1681i and 15 USC 1681s-2.

Delete this account immediately for violation of 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2. 

XXXX - Account # XXXX The open date and date last active are inaccurate, and negative marks related to late payments, repossession, or collections are unverified, violating 15 USC 1681i and 15 USC 1681s-2 .

Delete this account immediately for violations of 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2. 

XXXX XXXX XXXXXXXX - Account # XXXX The open date and date last active are inaccurate, and derogatory marks such as late payments and collections are not substantiated as required by 15 USC 1681e ( b ) and 15 USC 1681i.

Delete this account immediately for violation of 15 USC 1681e ( b ) and 15 USC 1681i. 

XXXX XXXX - Account # XXXX The open date and date last active are inaccurate, and unverified derogatory marks related to collections or late payments are in violation of 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2. 


XXXX XXXX  - Account # XXXX The open date and date last active are inaccurate, and derogatory marks such as collections or repossession are not properly verified, violating 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2.

Delete this account immediately for violation of 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2. 

XXXX XXXX - Account # XXXX The open date and date last active are inaccurate, and there are unverified late payments or other derogatory marks related to collection or repossession, violating the reporting requirements under 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2.

Delete this account immediately for violation of 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2. 
These inaccuracies represent violations of the Fair Credit Reporting Act, 15 USC 1681 et seq., particularly sections 1681e ( b ) ( accuracy ), 1681i ( disputes and investigations ), and 1681s-2 ( furnisher duties ). I further request that you comply with my rights under 15 USC 1681i by promptly investigating and removing these accounts from my credit report. 

Thank you for your prompt attention to this matter. I expect a resolution in full compliance with the FCRA. 

Sincerely, 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