Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Demand for Immediate Deletion Inaccurate Reporting of XXXX XXXXl Account To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Compliance Officer, This letter serves as my formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for the immediate deletion of the XXXX XXXX account appearing on my credit report. 
XXXX. Factual Background I have recently settled the XXXX XXXX account for XXXX % of the originally reported balance, and XXXX accepted the settlement in full satisfaction of the alleged debt. This account was never charged off, yet it continues to be reported inaccurately and misleadingly as a derogatory or outstanding account. 
Under 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), you are required to report only complete and accurate information. Continuing to report this account as a charge-off, delinquent, or with an unpaid balance is a direct violation of these provisions, as it no longer reflects the current factual or legal status of the account. 
XXXX XXXX. Legal Grounds and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The court held that credit bureaus have a non-delegable duty to assure maximum possible accuracy and can not rely solely on furnishers without performing an independent investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : The court found that continued reporting of a paid or settled account as delinquent constitutes inaccurate and misleading credit reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reinforces that the FCRA obligates CRAs to ensure maximum possible accuracy and that misleading informationeven if technically correctcan violate 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Established that an entry can be inaccurate if it is misleading in such a way and to such an extent that it can be expected to adversely affect credit decisions. 
Given these precedents, continuing to report this XXXX XXXX account after a settlement in full satisfaction constitutes defamation of credit, willful noncompliance with the FCRA, and negligent failure to assure accuracy. 
XXXX  XXXX. Formal Demand Accordingly, I demand the following actions within XXXX days of receipt of this notice : XXXX. Immediately delete the XXXX XXXX account from my credit file in its entirety ; or XXXX. Provide me with written proof from XXXX XXXX, signed and dated, confirming that the account is still lawfully due and owing ( which it is not ) ; and XXXX. Provide written confirmation of the deletion or correction sent to my address above. 
Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Office of the Comptroller of the Currency ( XXXX ), and my State Attorney General, as well as potential civil action under 15 U.S.C. 1681n and 1681o for willful and negligent violations of the FCRA. 
XXXX XXXX. Summary of Inaccuracy Creditor Account XXXX. Status Reported Actual Status Requested Action XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Charge-off / Collection Settled in Full Satisfaction ( Never Charged Off ) Delete Entire Account XXXX Please treat this matter with the seriousness it warrants. Any continued inaccurate reporting after this notice will be considered intentional harm to my credit reputation under federal law. 
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