Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) [ XXXX XXXX XXXX XXXX, XXXX, DC XXXX XXXX XXXX ( CRAs ) : XXXX, XXXX Experian Information Solution , Inc XXXX XXXX To Whom May Concern, I am writing to formally notify the CFPB of a recent outcome concerning two accounts that were reported to my XXXX secondary credit report and to request your assistance in ensuring that these deletions are accurately reflected across all credit reporting agencies ( CRAs ). 

I recently disputed the following accounts with XXXX : XXXX XXXX XXXX XXXX : {$48000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} These disputes were conducted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, XXXX XXXX XXXX charge-off was deleted from my XXXX report. Similarly, on XX/XX/year>, the XXXX XXXX XXXX XXXX charge-off was also removed from my XXXX report. 

Request for Action I respectfully request that the credit reporting agencies ( CRAs ) including but not limited to XXXX, Experian, and TransUnionimmediately review these findings and take action to remove these unverifiable accounts from my credit reports. The fact that these accounts were deleted from my XXXX report indicates that they were not substantiated during the investigation process. Under FCRA guidelines, if a charge-off is found unverifiable by one CRA, it is mandated that all CRAs must treat it as unverifiable and remove it from their records as well.

Legal Basis for Request As a consumer, I am protected under several key federal laws, including : Fair Credit Reporting Act ( FCRA ) : The FCRA, under 15 U.S. Code 1681i, requires that if a consumer disputes information on their credit report and the information can not be verified, it must be removed within a reasonable period. This law applies to all CRAs, obligating them to maintain accurate and complete records and to remove unverifiable information promptly.

Consumer Credit Protection Laws : The FCRA also mandates that CRAs must conduct a reasonable investigation when a dispute is filed and remove unverifiable data within 30 days. Failure to comply can lead to significant consumer rights violations. 

Required Action In light of the deletions from XXXX, I am requesting that these unverifiable accounts be removed from my credit reports maintained by XXXX, Experian, XXXX, and any other CRAs within 30 days of receiving this notice. This is not only my right as per FCRA standards but a necessary step to maintain the integrity and accuracy of my credit history.

Potential Legal Consequences for Non-Compliance Should these unverifiable accounts remain on my credit reports after the 30-day period, I will be compelled to exercise my right to seek legal recourse. Under the FCRA, consumers have the right to sue for damages if a CRA fails to comply with its obligations. These damages can include statutory, actual, and punitive damages, as well as attorneys fees.

Contact Information I request that you keep me informed of your progress and confirm receipt of this letter and your action plan within 10 business days. Please find enclosed copies of the documents related to my disputes and the investigation outcomes for your reference. 

Thank you for your prompt attention to this matter. Your compliance with these legal obligations is essential to maintaining fair and accurate credit reporting practices. 

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 non-monetary relief