Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit profile regarding a closed account. The information is not only incorrect, but it is also in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq Specifically, I have noticed that [ Name of Creditor or Furnisher ] is reporting a [ closed/delinquent/charged-off ] account on my credit report with the following details : Creditor Name : [ XXXX XXXX ] Account Number : [ Account Number ] Status : [ e.g., " Closed Derogatory '', Charged Off, etc. ] Date Closed : [ MM/YYYY ] XX/XX/year> FCRA 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

FCRA 1681i ( a ) : Requires a reasonable reinvestigation of disputed information if the consumer notifies the agency.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Information furnishers may not report information they know or have reasonable cause to believe is inaccurate.

FCRA 1681s-2 ( b ) : After receiving notice of a dispute, furnishers are required to investigate, correct, and report results promptly.

FCRA 1681n & 1681o : This information is incomplete, misleading, and damaging, and is causing serious harm to my ability to secure housing, transportation, and other essential services.

I demand that this account be fully investigated and, if it can not be verified with accurate and complete documentation, that it be deleted from all of my credit files in accordance with federal law.

If this dispute is not resolved promptly and fairly, I reserve the right to take further action, including seeking legal remedies for the ongoing harm this inaccurate reporting has caused.

1681e ( b ) : Credit bureaus must ensure maximum possible accuracy of the information they report.

1681i ( a ) : I have the right to a reasonable reinvestigation of any item I dispute.

1681s-2 ( a ) : Information furnishers may not report data they know or should know is inaccurate.

1681s-2 ( b ) : Upon receiving notice of a dispute, the furnisher must investigate and correct or delete inaccurate information.

1681n & 1681o : Consumers may recover actual, statutory, and punitive damages, as well as attorneys fees, for willful or negligent noncompliance.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : 1692g ( b ) : Upon receiving a dispute in writing within 30 days of notice, the debt collector must cease collection until it provides verification of the debt.

1692e ( 8 ) : Debt collectors may not report information to credit bureaus that they knowor should knowis inaccurate, including failure to mark an account as disputed.

1692df : Prohibits unfair, deceptive, and abusive practices, including misrepresenting a debt 's legal status or continuing to report a debt that has not been verified.

Harm and Impact : This inaccurate and unverified reporting has : Damaged my credit score, limiting access to basic needs Led to denial of housing applications and transportation loans Caused significant emotional and financial distress

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