Consumer complaint received 2024-03-24
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. (MI)

Experian is reporting a debt that is older than a the statue of limitations of Michigan allows. They are also reporting the debt as occurring in XXXX when the debt is much older than that. They did not research it when I disputed it and verified it without any verifiable information. 


XXXX Dispute Center How it works File your dispute online If you see an account, a piece of personal info or a public record that's inaccurate or incomplete on your Experian credit report, start a dispute online or by mail.

We'll contact the data furnisher We'll review your documents, and see if we can resolve the issue.

Get your results online You will be notified that the results are ready within 30 days* by email. 

XXXX days for XXXX XXXXXXXX See options for XXXX XXXX XXXX XXXX  Dispute Center Get started Let 's get started by taking a look at your report. 
Completed Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Keep your info safe from identity theft Take the next step and protect your personal info from identity theft. We'll search the dark web and people finder sites for your info and help you remove it. 
protection shield Protect my info XXXX XXXX XXXX  DISPUTES Have questions? 

XXXX XXXX  Learn more about the dispute process and pick up tips for success. 

Learn more Dispute Guide Dispute FAQs Education freeze education thumbnail How Credit Report Disputes Affect Your Credit Filing a dispute to fix a credit report inaccuracy has no direct impact on credit, but some changes made in response to disputes can affect credit scores. 

freeze education thumbnail How Long Do Credit Report Disputes Take?

Credit bureaus are legally required to finalize credit-report disputes within 30 days, but many inaccuracies can be fixed more quickly than that.

freeze education thumbnail When to Dispute Credit Report Information Disputing credit report inaccuracies is quick and simple online, but you can avoid credit approval delays by giving yourself time to complete the process. 

freeze education thumbnail What Cant You Dispute on Your Credit Report? 
Most information on your credit reports can be disputed, but certain items are simply a matter of record and can not be disputed. Learn more. 

freeze education thumbnail Can Credit Report Disputes Lower Credit Scores?

Disputing inaccurate credit report data has no direct effect on credit scores, but if a dispute leads to a data change, credit scores may shift accordingly. 

Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

What if I disagree with the outcome of this dispute? 
Contact the source of the information You have a right to contact the entity that originated the information and dispute with them directly. This is usually the company that provided you the loan or other credit, but could also be a collection agency or government office. The contact details for the source of each item of information are listed in your credit report.

Add a Statement of Dispute A statement of dispute allows you to explain why you think the information is inaccurate or incomplete. The statement will appear on every copy of your credit report. Lenders and other businesses who view your credit report can read your statement and may ask you for more details or documentation as part of their application review process. To add a statement of dispute, enter the Dispute Center, choose the item in dispute, and select " Add a Statement '' from the menu of dispute reasons. 
Dispute Again With Additional Relevant Information If you have additional relevant information to substantiate your claim, you have a right to submit a new dispute by uploading the additional documentation in the Dispute Center. You can also submit a new dispute with additional relevant information to Experian at XXXX XXXX XXXX XXXX XXXX XXXX 
File a Complaint You have a right to file a complaint about Experian or the company reporting the item, with the Consumer Financial Protection Bureau or your State Attorney General 's office. You may submit a compliant to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by mail at Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dispute With Other Bureaus There are 3 credit bureaus that report your credit information : Experian, XXXX, and XXXX. You should check all three credit reports to be sure that the information in each is complete and accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Still have questions? 
Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. 
Customer Service Mon - Fri : XXXX XXXX XXXX XXXX  Contact us : ( XXXX ) XXXX Report Number XXXX Date Generated XX/XX/XXXX Before After XXXX XXXX XXXX XXXX XXXX XXXX have changed since XX/XX/XXXX Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX