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Account information incorrect. Under the Fair Credit Reporting Act ( FRA ), credit reporting agencies like Experian must ensure the accuracy of the information they provide. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that credit bureaus have an independent duty to investigate disputes from consumers and can not simply rely on information from creditors. All information that you try to verify please provide proof that you conducted a throughly investigation and provide who looked over the file, who you called to get the information, what reports, what dates, receipts, contracts to show that the reporting was 100 % accurate and fully verifiable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX