Consumer complaint received 2025-01-12 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: DE

Complaint narrative:
Subject : Request for Deletion of Inaccurate and Unverifiable Information Under the FCRA To Whom It May Concern, I am writing to request the immediate deletion of an account from my credit reports due to significant inaccuracies and unverifiable information, as outlined under the Fair Credit Reporting Act ( FCRA ). The account in question is : Account Name : XXXX Account Number : XXXX The information reported by Experian and XXXX regarding this account is inaccurate, inconsistent, and unverifiable. These errors have caused harm to my creditworthiness and violate my rights under the FCRA. Below are the specific violations : 1. Inconsistent and Contradictory Reporting The following inconsistencies exist across Experian and XXXX : High Balance : Experian : {$500.00} XXXX : {$360.00} Date of Last Activity : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Last Payment Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date Reported : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Under FCRA Section 1681e ( b ), credit bureaus must ensure that information is accurate and consistent. These discrepancies demonstrate a failure to uphold this requirement, rendering the account information inaccurate and subject to deletion.

2. Reporting of Late Payments After Closure The account is marked as " Closed, '' yet both bureaus continue to report the account as " CO '' ( XXXX ) for multiple months in XXXX and XXXX. This is inaccurate and misleading. 

Under FCRA Section 1681s-2 ( a ), furnishers of credit information are prohibited from reporting false or misleading data. Furthermore, the continued reporting of late payments on a closed account violates FCRA Section 1681e ( b ) and demonstrates that this account 's information can not be relied upon. 3. Unverifiable Information The following essential information is mis
sing or incomplete : Original Creditor : Not provided by either bureau ( " -- '' ).

Creditor Remarks : Experian : " Unpaid balance reported as a loss by the credit grantor. '' XXXX : " Account closed at consumer 's request '' and " Charged off account. '' Under FCRA Section 1681i ( a ) ( 1 ), credit reporting agencies must delete any information that can not be verified. Since neither bureau has provided the original creditor or consistent remarks, this account is unverifiable and must be deleted immediately.

4. Excessive Days Late Reporting by XXXX XXXX inaccurately reports the account as 90 days late 69 timesan excessive and erroneous figure. This gross misrepresentation of payment history violates FCRA Section 1681e ( b ) and further demonstrates that the account information is unreliable and should be deleted. 

5. Lack of Dispute Notation Both Experian and XXXX indicate, " Account not disputed, '' even though the information is demonstrably inaccurate. Under FCRA Section 1681i ( a ) ( 1 ), I have the right to dispute inaccurate information. The absence of dispute notation reflects non-compliance with this provision.

Request for Immediate Deletion Due to the severe inaccuracies, inconsistencies, and unverifiable information, I am requesting the permanent deletion of this account from my credit reports with Experian and XXXX. Updating or modifying the information will not address the fundamental issues with its accuracy and verifiability. 

Per FCRA Section 1681i ( a ) ( 5 ) ( A ), any information found to be inaccurate or unverifiable must be deleted. This account meets both criteria, and its continued reporting is causing harm to my credit profile.

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