Consumer complaint received 2025-02-10 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: MA

Complaint narrative:
To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. 

XXXX XXXX XXXX account number XXXX : I discovered an error in the reporting of the account XXXX XXXX XXXX XXXX XXXX  ) as CollectionOrChargeOff on my credit report, with dates XXXX and XXXX. This mistake impacts my ability to secure financing. As per 15 U.S.C. 1681n, this needs correction. Cases like XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  highlight the obligation to ensure accuracy. I request deletion of this account and verification of the {$630.00}. 

XXXX XXXX account number XXXX : Ive found that the account XXXX XXXX  under XXXX is inaccurately reported as CollectionOrChargeOff on my credit report. You indicated this account was opened on XXXX with a last activity date of XXXX, which isnt correct. Please delete this account now. You also listed the last verified date as XXXX. According to 15 U.S.C. 1681i, I have the right to know how this information was verified. I also need proof that I owe {$260.00}, as I contest this amount. Based on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccuracies must be addressed. Please proceed accordingly. 

XXXX XXXX Account number XXXX : am contacting you regarding the inaccurate reporting of the account XXXX XXXX with number XXXX on my credit report. According to your records, this account is currently listed as XXXX, opened on XXXX, with a date of last activity recorded as XXXX, and last verified on XXXX. This information is incorrect, and I am requesting the immediate deletion of this account from my credit report. 
Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain and report only accurate information. I also request that you provide me with the specific documentation used to verify this account, along with evidence supporting the {$240.00}, as I firmly dispute this amount. 
The significance of ensuring accurate reporting was notably emphasized in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In this case, the court found that failing to conduct a reasonable investigation into disputed accounts was a violation of the FCRA, resulting in damages awarded to the plaintiff. This ruling underscores your obligation to ensure the accuracy of the information reported about my account. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court highlighted that credit reporting agencies must promptly remove information that is inaccurate or can not be verified. This case establishes a clear precedent that unverifiable information, such as the incorrect details on my report, must be corrected or deleted. Considering these legal precedents, I urge you to take immediate action to investigate and rectify this matter, as required by federal law. 


XXXX XXXX Account number XXXX : Ive found that the account XXXX XXXX with number XXXX is inaccurately reporting as CollectionOrChargeOff on my credit report. You recorded it as opened on XXXX, with a date of last activity on XXXX, and it was last verified on XXXX. This information is incorrect. 
This mistake is blocking my ability to reach goals such as improving my credit score to qualify for better financial opportunities. According to 15 U.S.C. 1681i, I have the right to request the verification process and documentation you used. Additionally, I need proof that I owe {$230.00}, as I know this amount is incorrect. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  emphasized the importance of accurate reporting. Please address this issue promptly. 

XXXX XXXX Account number XXXX : The account XXXX XXXX ( XXXX ) on my credit report is wrong, showing a rating of XXXX. Dates XXXX and XXXX are incorrect. This is stopping me from getting loans. By 15 U.S.C. 1681e, I demand you delete this account and give proof of the {$210.00}.

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