Consumer complaint received 2025-05-14 00:00:00
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.
State: CA

Complaint narrative:
Subject : Request for Correction and Removal of Inaccurate Negative Accounts Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am submitting this formal complaint regarding numerous inaccurate and erroneous negative accounts appearing on my credit report. These accounts are adversely affecting my creditworthiness and must be investigated and corrected or removed as required by federal law.

1. Reporting of Inaccurate Accounts ( 15 U.S.C. 1681e ( b ) ) Credit reporting agencies must maintain accurate information. The inclusion of inaccurate negative accounts is a violation of this provision.

2. Dispute Procedure ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) I am invoking my right to dispute inaccurate information and request a prompt investigation of the negative accounts listed herein.

3. Notification of Dispute to Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ) The credit reporting agency must notify the furnisher of the disputed information within 5 business days.

4. Reinvestigation Requirements ( 15 U.S.C. 1681i ( a ) ( 1 ) ) The agency must complete a reinvestigation of the disputed information within 30 days.

5. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681s-2 ( b ) ) If the furnisher fails to conduct a reasonable investigation, it is a violation of the FCRA and the negative information must be deleted.

6. Notice of Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Upon completion of the investigation, the credit reporting agency must provide me with written notification of the results.

7. Failure to Verify Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) If the disputed information can not be verified, it must be promptly removed from my credit report.

8. Reporting Obsolete Accounts ( 15 U.S.C. 1681c ( a ) ) Negative information older than 7 years ( or 10 years in the case of bankruptcies ) must not be reported.

9. Re-Aging of Accounts ( 15 U.S.C. 1681c ( c ) ) Creditors are prohibited from re-aging debts to extend the reporting period of negative information.

10. Collection Accounts and Validation ( 15 U.S.C. 1692g ) Debt collectors must provide accurate validation of debts, including correct dates and amounts.

11. Reporting of Duplicate Accounts ( 15 U.S.C. 1681s-2 ( b ) ) Duplicate reporting of the same debt by multiple creditors or collectors is a violation and must be corrected.

12. Identity Theft Accounts ( 15 U.S.C. 1681c-2 ( a ) ) Any accounts resulting from identity theft must be blocked or removed once reported and verified.

13. Misrepresentation of Account Status ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Creditors are prohibited from knowingly reporting false information about the status of an account.

14. Failure to Provide Notice of Dispute ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) If I dispute information, the creditor must note that the information is disputed in all future reports.

15. Incomplete Account Information ( 15 U.S.C. 1681e ( b ) ) If the report fails to provide complete and accurate information about an account, it must be corrected.

16. Reporting of Settled Accounts ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) Accounts that have been paid, settled, or otherwise resolved must be reported as such without derogatory comments.

17. Reporting of Discharged Debts ( 15 U.S.C. 1681c ( a ) ( 1 ) ) Debts discharged in bankruptcy must not be reported as open or outstanding.

18. Reporting Unauthorized Inquiries ( 15 U.S.C. 1681b ( c ) ) Inquiries resulting from unauthorized or fraudulent activity must be removed to avoid negative impact.

19. Corrective Actions and Legal Remedies ( 15 U.S.C. 1681n and 1681o ) Violations of the FCRA entitle the consumer to seek damages for willful or negligent noncompliance, including attorney fees.

20. Right to Request Removal of Negative Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) If the investigation determines that the information is inaccurate, incomplete, or unverifiable, the negative accounts must be deleted.

The following is referencing my Transunion, Equifax and Experian credit reports. I request that each of these negative accounts be investigated and removed or corrected as mandated by the FCRA. 

Thank you for your prompt attention to this matter. Please confirm receipt of this request and notify me of the outcome of the investigation in email or writing formats

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