Consumer complaint received 2024-10-13
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute of Inaccurate Information in Credit Report under 15 U.S.C. 1681e ( b ) Dear [ Credit Bureau Name ], I am writing to formally dispute inaccurate information contained in my credit report as provided by your agency, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ). This section mandates that credit reporting agencies take reasonable measures to ensure the accuracy of information included in consumer reports. 

After reviewing my recent credit report, I have identified the following inaccuracies that I believe were reported in error : ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX INCORRECT INFO : DATE LAST ACTIVE VIOLATION OF 15 US CODE 1681E ( B ) ACCUARCY OF REPORT DIFFERENT ON ALL 3 REPORTS. REMOVE OR PAY ME MY {$1000.00} AS PERMITTED BY THE LAW UNDER THE FCRA. ( XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX INCORRECT INFO : ACCCOUNT BALANCE IS REPORTING INACCURATE VIOLATION OF 15 US CODE 1681E ( B ) ACCUARCY OF REPORT DIFFERENT ON ALL 3 REPORTS. REMOVE OR PAY ME MY {$1000.00} AS PERMITTED BY THE LAW UNDER THE FCRA. {$9400.00} XXXX, {$9400.00} EXPERIAN {$0.00} XXXX ) ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX INCORRECT INFO : ACCCOUNT BALANCE IS REPORTING INACCURATE VIOLATION OF 15 US CODE 1681E ( B ) ACCUARCY OF REPORT DIFFERENT ON ALL 3 REPORTS. REMOVE OR PAY ME MY {$1000.00} AS PERMITTED BY THE LAW UNDER THE FCRA. {$55.00} EXPERIAN {$610.00} XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INCORRECT INFO : DATE LAST ACTIVE VIOLATION OF 15 US CODE 1681E ( B ) ACCUARCY OF REPORT DIFFERENT ON ALL 3 REPORTS. REMOVE OR PAY ME MY {$1000.00} AS PERMITTED BY THE LAW UNDER THE FCRA XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX INCORRECT INFO : DATE LAST ACTIVE VIOLATION OF 15 US CODE 1681E ( B ) ACCUARCY OF REPORT DIFFERENT ON ALL 3 REPORTS. REMOVE OR PAY ME MY {$1000.00} AS PERMITTED BY THE LAW UNDER THE FCRA XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX INCORRECT INFO : DATE LAST ACTIVE VIOLATION OF 15 US CODE 1681E ( B ) ACCUARCY OF REPORT DIFFERENT ON ALL XXXX REPORTS. REMOVE OR PAY ME MY {$1000.00} AS PERMITTED BY THE LAW UNDER THE FCRA XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX INCORRECT INFO : DATE LAST ACTIVE VIOLATION OF 15 US CODE 1681E ( B ) ACCUARCY OF REPORT DIFFERENT ON ALL 3 REPORTS. REMOVE OR PAY ME MY {$1000.00} AS PERMITTED BY THE LAW UNDER THE FCRA XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT XXXX : XXXX INCORRECT INFO : DATE LAST ACTIVE VIOLATION OF 15 US CODE 1681E ( B ) ACCUARCY OF REPORT DIFFERENT ON ALL 3 REPORTS. REMOVE OR PAY ME MY {$1000.00} AS PERMITTED BY THE LAW UNDER THE FCRA XX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX : [ Describe incorrect information, e.g., incorrect balance, payment status, or date ] XXXX. Account Name or Type ( e.g., [ Creditors Name or Account Number ] ) : [ Describe the incorrect information ] These inaccuracies have negatively impacted my credit score, despite being inaccurate. As 15 U.S.C. 1681e ( b ) requires credit reporting agencies to maintain accurate reports, I respectfully request the immediate correction or deletion of this information.

Requested Action : Please conduct an investigation as outlined by the FCRA to verify the accuracy of the items listed. If you are unable to verify any of the items as accurate, I request that they be removed from my report to maintain compliance with 15 U.S.C. 1681e ( b ). I have attached copies of documentation ( e.g., statements, payment records ) that demonstrate the correct information for your reference. 


Upon completion of your investigation, please send me a copy of my updated report, reflecting any changes made. Additionally, please provide a summary of the investigation conducted and the source of any verification provided for the disputed items. 

Thank you for your prompt attention to this matter. I look forward to your response within the time frame mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX