Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI, XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Department, once again, I am writing to formally dispute the inaccurate information that is currently being reported on my credit report under your agency. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies and request that they be properly investigated. This is a request for you to fully investigate and correct the inaccurate information in compliance with the law. 

Specifically, I am concerned about the following XXXXXXXX XXXX XXXX XXXX  Account number XXXX on this account it is reporting wrong payment history, ( how many payments was made, and how long was the late payment was ) XXXX XXXX XXXX account number XXXX ( I I'm asking this company to provide me with all the information concerning this debt to prove the claimed amount of the debt i have asked the company for this information and they didn't provide me with any information ) XXXX XXXX  Account number XXXX ( this account is misleading and, reporting wrong payment summery on my report ) XXXX XXXX XXXX Account number XXXX  ( this account is also reporting wrong payment summery ) I request that you conduct a thorough investigation into the accuracy of this information. Please provide me with documentation showing how this investigation was carried out and the results of your findings. 

Under FCRA Section 609 ( 15 U.S.C. 1681g ), I am entitled to a complete disclosure of all information that is being reported about me. Additionally, FCRA Section 623 ( 15 U.S.C. 1681s-2 ) requires that furnishers of information ( such as lenders or creditors ) ensure that they are reporting accurate and complete information to the credit bureaus.

I demand that you provide me with the following : Proof that the disputed information is accurate. Specifically, I request evidence or documentation supporting the claim that this data is correct.

Proof of the investigation conducted on my dispute. In light of the recent lawsuits against Experian for failing to properly investigate disputes, it is imperative that you provide proof of how you investigated the accuracy of the disputed information. 

Verification of the information provided by any third parties or furnishers. Please provide me with any evidence showing that the furnisher of this data provided accurate information about me.

Failure to respond to this request or provide proper verification will be a violation of my rights under the FCRA, and I may pursue legal action if necessary.

Please be advised that I am keeping a record of all communication related to this matter, and I expect a response from you within the 30-day period stipulated under the FCRA.

Thank you for your prompt attention to this matter. I look forward to receiving the requested information and having this issue resolved in accordance with the law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation