Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX Bank, XXXX. 
P.O. XXXX XXXX XXXX, DE XXXX Subject : Dispute of Account and Demand for XXXX Dear XXXX XXXX Bank XXXX XXXX, This letter is a formal dispute of the alleged credit card debt associated with Flexible Spending Credit Card account and associated with social security number ending with XXXX, which currently appears on my consumer credit report. The account information is claimed to be extremely inaccurate and include over XXXX unverifiable remarks and or comments. 

As per the credit card agreement terms and conditions governing this account, including the binding arbitration clause, the sender demands that this dispute be submitted to arbitration for resolution. Reference the arbitration agreement. You can find your agreement at { Link : XXXX XXXX : /XXXX/ } or { XXXX : XXXX Bank XXXX XXXX //XXXX } ]. 

XXXX requests that this matter be resolved through arbitration, if specified in your agreement and beneficial to you. 

Further, in accordance with the aforementioned arbitration agreement and the rights under the Fair Credit Reporting Act ( FCRA ), I demands that all collection activities cease, including reporting this alleged debt to any consumer reporting agency, until this dispute is resolved through arbitration. If this debt has already been reported, I requests prompt notification to the credit reporting agencies of this dispute and to instruct them to delete the tradeline from the credit report. Reporting information known to be inaccurate or unverifiable violates the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA. 

This is not a refusal to pay, but a lawful demand for verification and proof of accurate reporting. 

Detailed Account Records : XXXX itemized breakdown of the alleged debt, including original balance, interest, fees, and dates incurred. Credit Reporting Agencies Legal Obligations Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, XXXX Experian, and XXXX  are legally obligated to : Investigate any disputed item within XXXX days of receiving notice. Delete or correct any information that can not be verified. Notify the consumer of the results of the investigation. If you or any credit reporting agency continue to report unverifiable or inaccurate information, you XXXX be held liable for willful noncompliance under XXXX XXXX. XXXX, which provides for actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees. XXXX Notice If you can not provide the requested documentation within XXXX days of receipt of this letter, I demand that : You immediately cease all collection efforts. You remove any reference to this account from all consumer reporting agencies. You confirm in writing that this account has been closed and will not be pursued further. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the New York XXXX XXXX XXXX, and potential civil litigation for damages. 

I assert the rights under the FCRA and the terms of the agreement. A prompt response confirming the initiation of the arbitration process and outlining the steps to comply with the request is expected. 

Sincerely

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