Consumer complaint received 2025-03-19 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: OK

Complaint narrative:
I am writing to formally dispute multiple inaccuracies in my Experian credit report, which I obtained on XX/XX/XXXX. Upon reviewing the report, I discovered the inclusion of several erroneous and outdated entries that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and case law precedent that establishes the removal of unverifiable and inaccurate data. 
Items in Dispute : XXXX XXXX XXXX, Account # XXXX : Reported as XXXX through XXXX XXXX XXXX account was closed and updated in XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Dispute : 1. Failure to Assure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Inaccurate, incomplete, or unverifiable accounts are legally required to be corrected or deleted.

2. Obligation to Delete or Correct Inaccurate Information As stipulated in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when an item of information is disputed by a consumer and is found to be inaccurate or unverifiable after reinvestigation, the credit bureau must promptly delete or correct the information. 
XXXX. Case Law Supporting My Claim XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court ruled that credit reporting agencies must conduct a reasonable investigation when a consumer disputes an item, not merely parrot information received from the data furnisher. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : It was reaffirmed that failing to conduct a reasonable reinvestigation is a violation of the FCRA. 

XXXX. Inaccurate Reporting of Closed/Charged-Off Accounts and Bankruptcy Discharge The simultaneous reporting of accounts as closed and charged off violates FCRA 1681e ( b ) because it misleads lenders and negatively impacts my creditworthiness. Reporting these statuses concurrently creates conflicting and derogatory information that damages my credit profile.

Requested Action : Under FCRA guidelines and supporting case law, I request the following actions be taken immediately : Delete all inaccurate, obsolete, and unverifiable accounts from my credit report.

Provide a corrected copy of my credit report once the deletions are made.

If you can not verify the disputed information within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), please delete the information permanently.

Notice of Intent to Escalate : Suppose these errors are not corrected within the statutory 30-day period. In that case, I will be left with no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies for violations of my rights under the FCRA.

I look forward to your prompt resolution of these matters and appreciate your compliance with applicable federal laws.

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