Consumer complaint received 2025-02-27 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: PA

Complaint narrative:
Subject : Request for Removal of Incorrect Information Due to Violations of the FCRA and CFPA Dear CFPB Representative, I am writing to you under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 and 5536 ) to formally dispute and demand the immediate removal of an incorrect negative account from my credit report.

I have been a victim of unfair practices and demand the immediate removal of this negative account.

Your company has committed multiple violations of federal law, as already recognized by the Consumer Financial Protection Bureau ( CFPB ). Due to these negligent and fraudulent practices, my credit history has been severely damaged, causing me financial and personal harm. 

As a result of these errors and failures in managing credit information, I demand the immediate removal of the negative account reported on my credit file.

Violations Committed by Your Company 1. Failure to Conduct a Proper Investigation of My Disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) I submitted a dispute regarding incorrect information on my report, but your company failed to conduct a fair investigation or correct the errors. 
2. Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) A negative account that was previously removed has reappeared on my report without justification or prior notification. 
3. Inaccurate Reporting and Lack of Quality Controls ( 15 U.S.C. 1681e ( b ) ) Your company is required to maintain procedures to ensure the accuracy of credit reports. However, due to defective systems and verification failures, my credit history has been unfairly damaged. 
4. Deceptive Practices in Communication with Consumers ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) In response to my disputes, I have received contradictory and misleading information, which constitutes an illegal practice. 

Negative Account That Must Be Removed Below is the account that has been incorrectly reported and that I demand be immediately removed from my credit report XXXX XXXX XXXX XXXX ( Partial Acct # XXXX ) This account was previously removed from my report, yet it has been reinserted without proper notification or justification, violating FCRA regulations. 

I Demand Immediate Action Since the CFPB has already fined XXXX {$15.00} XXXX and has sued Experian for these same practices, your company has already been found guilty of similar violations.

Therefore, I demand the following : 1. Immediately remove the XXXXXXXX XXXX XXXX  account from my credit report. 
2. Provide me with an updated credit report reflecting these changes.

3. Cease any reinsertion of incorrect information in my credit history.

If you fail to comply with this request within the legal 30-day period under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), I will file a formal complaint with the CFPB and consider legal action for damages.

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