Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Request for Removal from Collections, Due to bad practices. 

Dear Consumer Financial Protection Bureau, I am writing to formally address an urgent matter regarding my credit report and the impact of XXXX XXXX on my financial standing. My personal information and account information, which has adversely affected my credit and led to the involvement of several collection agencies. Due to Aggressive and threatening collection practices with previous help from the cfpb. They have ceased and desist and closed the account due to the threatening of incarcerated  me by one of their agent agents they have sent me apology emails and said that they were closed the account with no late payments or etc.. The account was also to be removed as agreed from my credit profile that has not been done since XXXX 

I am writing to formally demand the immediate removal of the collection account related to the debt referenced in your previous communications, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Despite my previous requests for removal of this debt, XXXX XXXX has failed to provide the necessary documentation to substantiate its legitimacy to not remove the account of credit reports to remove the negative reporting status. I have given ample time and opportunity for this collection to be removed from all reporting credit bears, and since this has not been done, I will not accept any hold on this debt any longer being placed on my credit report. 

This debt must be removed from my credit report immediately. If it is not removed within the next 10 days, I will have no choice but to involve my legal counsel, who will seek damages and compensation for the mental anguish caused by this situation, as well as the inability to receive credit services due to your reporting to the credit bureaus. 

Please consider this letter a final notice to rectify this matter. I expect your prompt attention to this issue and a confirmation of the removal of this debt from my credit report. 

Specifically, I am requesting immediate removal from the following collections : XXXX XXXX XXXX Due to the unauthorized access to my personal information, I believe that these collection is a direct result of XXXXXXXX XXXX doing what they agreed, Also this does not accurately reflect my financial behavior. I have taken steps to secured my credit integrity and credit worthiness to the appropriate authorities Cfpb and all credit reporting agencies? Still the account has not been removed. 

I kindly ask for your assistance in rectifying this situation as soon as possible. Please let me know if you require any further information or documentation to process my request. 

Thank you for your attention to this matter. I look forward to your prompt response.

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