Consumer complaint received 2025-10-27 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:
XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute and Demand for Immediate Deletion of Inaccurate Information Reported by XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) To Whom It May Concern : I am writing to formally dispute inaccurate, misleading, and legally non-compliant information appearing on my consumer credit report ( XXXX ) as furnished by XXXX XXXX XXXX XXXX XXXX XXXX  ). This letter serves as my official notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding the immediate investigation and deletion of the disputed items identified herein. 

I. Inaccurate Account Information Reported by XXXX The information reported by XXXX contains multiple material inaccuracies that have caused substantial harm to my creditworthiness and financial reputation. Specifically, XXXX has reported the following inaccurate information : Account Balance Discrepancies : The account balance ( XXXX ) reported by XXXX are demonstrably incorrect and do not reflect the actual amount owed, if any. These inaccurate balance figures misrepresent my financial obligations and have negatively impacted my credit score and ability to obtain credit on favorable terms. 
Personal Information Errors : XXXX has furnished incorrect personal identifying information, including but not limited to errors in my name, address, Social Security number, date of birth, or employment information. Such inaccuracies raise serious concerns about the integrity of XXXX 's data management systems and compliance with the FCRA 's accuracy requirements under 15 U.S.C. 1681e ( b ).

II. Violations of Statute of Limitations and Improper Sale of XXXX XXXX XXXX has violated applicable statutes of limitations by selling and/or continuing to report account information that is time-barred under state law. By selling this time-barred debt to third-party debt purchasers and collection agencies, XXXX has engaged in XXXX that perpetuates the reporting of obsolete information and facilitates potential illegal collection activities. This practice violates the spirit and intent of both the FCRA and state consumer protection laws, as it enables third parties to profit from debts that are no longer legally enforceable. XXXX 's sale of such accounts for its own financial benefit, with knowledge that the statute of limitations has expired, constitutes a deceptive trade practice and an abuse of the credit reporting system.

III. Violations of the Seven-Year Reporting Rule Pursuant to 15 U.S.C. 1681c ( a ) ( 4 ), consumer reporting agencies are prohibited from reporting accounts placed for collection or charged off that antedate the report by more than seven years. XXXX has violated this statutory mandate by reporting account information that exceeds the permissible seven-year reporting period. The continued reporting of obsolete negative information beyond the statutory time limit is unlawful and has caused me ongoing harm by artificially depressing my credit score and limiting my access to credit, employment, and housing opportunities. 
Moreover, XXXX 's reporting of inaccurate balance information in connection with these time-barred accounts compounds the violation by creating the false impression that these debts remain active and enforceable, when in fact they should have been removed from my credit report entirely. 
IV. Applicable Legal Standards and Requirements The Fair Credit Reporting Act imposes strict obligations on both furnishers of information and consumer reporting agencies to ensure the accuracy and completeness of reported information. Under 15 U.S.C. 1681s-2 ( a ), XXXX, XXXX a furnisher, is required to provide accurate information to consumer reporting agencies and to conduct reasonable investigations when notified of disputes. 
Additionally, pursuant to 15 U.S.C. 1681i, you, as consumer reporting agencies, are required to conduct a reasonable reinvestigation of disputed information within thirty ( 30 ) days of receipt of this dispute. If the information can not be verified as accurate and complete, it must be promptly deleted from my credit file. 
V. Documented Harm and Damages The inaccurate information reported by XXXX has caused me substantial and quantifiable harm, including but not limited to : Significant reduction in my credit score, resulting in denial of credit applications and/or approval only at substantially higher interest rates ; Increased cost of credit, insurance premiums, and other financial products due to artificially depressed credit scores ; Potential adverse employment decisions, as many employers review credit reports as part of the hiring process ; Emotional distress, XXXX, and reputational damage resulting from the false portrayal of my creditworthiness ; Time and expense incurred in identifying, investigating, and disputing these inaccuracies.

VI. Demand for Immediate Deletion In light of the foregoing violations and inaccuracies, I demand that you immediately : 1. Conduct a thorough investigation of all information reported by XXXX as required under 15 U.S.C. 1681i ; 2. Delete all inaccurate, unverifiable, or obsolete information reported by XXXX from my credit file ; XXXX. Remove any and all accounts that violate the seven-year reporting rule pursuant to XXXX XXXX. XXXX ; XXXX. Provide me with written confirmation of the deletion of all disputed items within the statutory thirty ( 30 ) day period ; 5. Furnish me with an updated copy of my credit report reflecting the deletions, at no charge, as required under 15 U.S.C. 1681j ( a ) ( 1 ) ( B ).

VII. Preservation of Legal Rights Please be advised that I am preserving all legal rights and remedies available to me under federal and state law, including but not limited to the right to pursue statutory and actual damages under the FCRA. Should you fail to conduct a reasonable investigation, fail to delete the inaccurate information, or fail to respond within the statutory time frame, I will consider all available legal options, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing litigation to vindicate my rights.

This letter constitutes my formal written dispute under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I expect full compliance with all FCRA requirements and prompt resolution of this matter. 

Respectfully submitted, 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