Product: Credit reporting or other personal consumer reports

Experian Information Solutions , IncXXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information on my Experian credit report that remains unresolved despite previous attempts to correct it. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ), and 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you are legally required to conduct a reasonable reinvestigation, provide a detailed explanation of dispute results, and prevent the reinsertion of previously deleted inaccurate information.

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian ( Case No. 8:25-cv-24 ) for : Failing to reasonably reinvestigate disputes, often blindly accepting furnishers ' responses without independent verification. 

Providing incomplete and misleading information to consumers about the outcome of disputes. 

Allowing inaccurate information to persist on consumer reports despite multiple disputes. 

These findings align with my own experience, as Experian continues to report inaccurate and misleading information on my credit report. 

Disputed Accounts XXXX. XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  Account Number : XXXX Account Type : Auto Loan Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open ( Disputed ) Balance : {$29000.00} ( Incorrect ) Balance Updated : XX/XX/XXXX Monthly Payment : {$660.00} Original Balance : {$38000.00} Terms : 75 Months Reason for Dispute : The reported balance is incorrect, and Experian has failed to conduct a proper reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 1 ). My payment history does not match the reported balance, and Experian must verify the accuracy of this account using official documentation from the creditor rather than relying solely on the furnishers response. 

XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open, but incorrectly reported as {$480.00} past due ( Disputed ) Status Updated : XX/XX/XXXX Balance : {$7400.00} ( Incorrect ) Balance Updated : XX/XX/XXXX Monthly Payment : {$280.00} Credit Limit : {$7000.00} Highest Balance : {$7400.00} Reason for Dispute : The reported past-due amount of {$480.00} is incorrect and negatively impacts my credit standing. This is a violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates the removal of inaccurate, incomplete, or unverifiable information after reinvestigation. My records show no past-due amount, and Experian has failed to verify this claim with accurate data from the creditor.

Legal Obligations & Demands Pursuant to : 15 U.S.C. 1681i ( a ) ( 1 ) : You must conduct a reasonable reinvestigation and notify me of the results within 30 days.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) : If my dispute is denied, you must provide a detailed written explanation, including the specific evidence relied upon to uphold the disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If any of the disputed information is found to be inaccurate, incomplete, or unverifiable, you must delete it from my report and prevent its reinsertion unless the furnisher certifies its accuracy. 

I demand that you : Verify all disputed items using legitimate documentation, not just rely on the furnishers response. 

Correct or remove all inaccurate information immediately. 

Provide written confirmation of all corrections. 

If my dispute is denied, explain in writing why and provide the evidence used to justify your decision. 

Failure to comply with these legal obligations violates the FCRA and will result in an immediate complaint to the CFPB and other regulatory agencies. If necessary, I will pursue further legal action to protect my rights. 

I expect your response within the legally required timeframe. 

Sincerely,