Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I have received a copy of my credit report, and there is inaccurate information that is being recorded. 
To Whom It May Concern, I am formally disputing the accuracy of an account reported on my credit file associated with XXXX XXXX. This account is being falsely reported as a collection account, which is both inaccurate and damaging to my consumer report. 
Here are the facts : I was never late on any payments for this account. 
The account was paid in full, and I received a XXXX balance confirmation. 
There were no past due balances or collection activity initiated by me. 
Therefore, this account should have never been placed in collections or reported as such. 
This false reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates the reporting of only accurate and verifiable information. I will be including documentation that supports my position, including a XXXX balance letter confirming the account was paid on time and in full. 
Violations Committed : 1. FCRA 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

Violation : Reporting a paid account as a collection with no delinquency.

Penalty : Up to {$1000.00} per violation.

2. FCRA 1681i ( a ) Failure to conduct a proper reinvestigation of disputed information.

Violation : Continuing to report inaccurate data without proper verification.

Penalty : Up to {$1000.00} per violation.

3. FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information that is known or should be known to be inaccurate.

Violation : Inaccurate reporting of account status as delinquent and sent to collections.

Penalty : Up to {$1000.00} per violation.

4. FCRA 1681s-2 ( b ) Failing to correct and update information after a dispute has been initiated.

Violation : Willful neglect of corrective action after being notified of the inaccuracy.

Penalty : Up to {$1000.00} per violation.

If this inaccurate account is being reported to all three major credit bureaus, and each of the above four violations is applicable, the total liability exposure can reach {$12000.00} or more, excluding punitive damages, legal fees, and compensation for emotional and financial XXXX. 
Final Demand : I am demanding that this XXXX XXXX account be : 1. Deleted in full from my credit report immediately 2. Updated across all platforms to reflect no collection activity, no past due, and a XXXX balance XXXX. A written confirmation of this deletion sent to me within ten ( 10 ) calendar days If you fail to comply, I will not hesitate to : File a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office Seek legal counsel to pursue statutory damages under the FCRA and civil relief This dispute is not only justified but fully supported by factual documentation. You are now on notice. I expect compliance without delay. 
Sincerely, XXXX XXXX I am formally disputing the accuracy of an account reported on my credit file associated with XXXX XXXX. This account is being falsely reported as a collection account, which is both inaccurate and damaging to my consumer report. 
Here are the facts : I was never late on any payments for this account. 
The account was paid in full, and I received a XXXX balance confirmation. 
There were no past due balances or collection activity initiated by me. 
Therefore, this account should have never been placed in collections or reported as such. 
This false reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates the reporting of only accurate and verifiable information. I will be including documentation that supports my position, including a XXXX balance letter confirming the account was paid on time and in full. 
Violations Committed : 1. FCRA 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. 
Violation : Reporting a paid account as a collection with no delinquency. 
Penalty : Up to {$1000.00} per violation.

2. FCRA 1681i ( a ) Failure to conduct a proper reinvestigation of disputed information.

Violation : Continuing to report inaccurate data without proper verification.

Penalty : Up to {$1000.00} per violation.

3. FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information that is known or should be known to be inaccurate.

Violation : Inaccurate reporting of account status as delinquent and sent to collections.

Penalty : Up to {$1000.00} per violation.

4. FCRA 1681s-2 ( b ) Failing to correct and update information after a dispute has been initiated.

Violation : Willful neglect of corrective action after being notified of the inaccuracy.

Penalty : Up to {$1000.00} per violation.

If this inaccurate account is being reported to all three major credit bureaus, and each of the above four violations is applicable, the total liability exposure can reach {$12000.00} or more, excluding punitive damages, legal fees, and compensation for emotional and financial distress. 
Final Demand : I am demanding that this XXXX XXXX account be : 1. Deleted in full from my credit report immediately 2. Updated across all platforms to reflect no collection activity, no past due, and a XXXX balance XXXX. A written confirmation of this deletion sent to me within ten ( 10 ) calendar days If you fail to comply, I will not hesitate to : File a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office Seek legal counsel to pursue statutory damages under the FCRA and civil relief This dispute is not only justified but fully supported by factual documentation. You are now on notice. I expect compliance without delay. 
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