Product: Credit reporting or other personal consumer reports

Subject : Failure to Properly Investigate and Verify All Disputed Items on Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian for their failure to properly investigate and verify several negative items on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Despite submitting previous disputes, Experian failed to provide supporting documentation, a detailed investigation summary, or evidence validating the accuracy of the disputed accounts.

The accounts in question remain on my credit report without proper verification or correction, which constitutes a violation of the FCRA.

Disputed Items Revolving Credit Accounts XXXX XXXX XXXX ( Account Number : XXXX ) {$3300.00} past due ; closed by the creditor. 

No proof of account closure or past-due balance was provided. 



XXXX XXXX XXXX XXXX ( Account Number : XXXX ) {$13000.00} past due ; unresolved prior dispute. 

No documentation validating this accounts accuracy was provided. 



XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) {$590.00} past due ; closed with late payments. 

Verification details were not provided to support this entry. 



XXXX. XXXX XXXX XXXX Account Number : XXXX ) Closed account with remarks : " Transferred to another lender. '' No documentation was provided to verify the transfer or accuracy. 



XXXX. XXXX XXXX ( Account Number : XXXX ) Closed due to inactivity. 

No verification of closure details was provided. 



XXXX XXXX ( Account Number : XXXX ) Closed account. 

No proof of account accuracy or closure details was provided. 







Installment Credit Accounts XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) {$5100.00} past due ; closed account with late payments. 

No documentation validating the accuracy of the balance or payment history was provided. 



XXXX XXXX XXXX XXXX ( Account Number : XXXX ) {$14000.00} past due ; closed account with multiple 90+ day late payments.

No verification of payment history or past-due balance was provided.

Real Estate Accounts XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) {$1600.00} past due with 13 late payments.

No proof of accurate late payment reporting or past-due balance was provided. 







Collection Accounts XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) {$980.00} past due ; closed collection account. 

No documentation proving ownership of the debt or validation from the original creditor was provided. 



XXXX XXXX XXXX XXXX ( Account Number : XXXX ) {$120.00} past due ; closed collection account. 

No supporting records validating the debt were provided. 



XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) {$360.00} past due ; closed collection account. 

No documentation verifying the debts accuracy was provided. 



XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) {$440.00} past due ; closed collection account. 

No records validating this debt were provided. 







FCRA Violations 1. Failure to Investigate Disputes ( 15 U.S.C. 1681i ) : Experian did not conduct a reasonable investigation into my disputes.

2. Failure to Provide Validation ( 15 U.S.C. 1681g ) : Experian did not provide original agreements, payment histories, or validation of disputed debts.

3. Failure to Respond ( 15 U.S.C. 1681m ) : I did not receive any written or electronic responses to my prior disputes, nor a summary of the verification process.

Requested Actions 1. Conduct a thorough reinvestigation of all disputed items.

2. Require Experian to provide documentation validating the accuracy of each account.

3. Remove any items that can not be verified or corrected.