Consumer complaint received 2025-09-21 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: TX

Complaint narrative:
To Whom It May Concern : I am writing to dispute inaccurate, unverifiable, and obsolete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). An investigation must be initiated into the following items. 

Please find the specific accounts in question detailed below : XXXX. XXXX XXXX XXXX ( AcctXX/XX/XXXX ) This account is incorrectly reporting a past due amount of {$70.00} and 60-day lateness as of XX/XX/XXXX. This is inaccurate. I request you investigate this account 's current status with the furnisher and ensure the payment history is being reported correctly. This appears to be a reporting error. 

XX/XX/XXXXXXXX ) This account is reported as a charge-off from XX/XX/XXXX with a balance of {$480.00}. The date of first delinquency ( DOFD ) would be in late XXXX. This negative item is now over 5 years old and its continued reporting is severely damaging. I dispute the accuracy of the ongoing reporting of this obsolete debt and demand verification of the legally required Date of First Delinquency. 

XX/XX/XXXXXXXX ) This account is reported as a charge-off from XX/XX/XXXX with a balance of {$780.00}. I dispute the validity and accuracy of this account. The furnisher 's comment, " First payment never received, '' suggests a fundamental issue with the creation of this debt. I demand full validation of this account, including proof of a legally binding agreement and proof that the alleged first payment was ever due and payable. 

XX/XX/XXXXXXXX ) This account is reporting a 30-day late payment from XX/XX/XXXX. I dispute the accuracy of this late payment. Please verify the complete and accurate payment history for this account directly with the furnisher. 

XX/XX/XXXXXXXX ) This is a collection account for {$6700.00}. I dispute this collection in its entirety. The information is inaccurate and unverifiable. I have no knowledge of this debt originating from " XXXX XXXX XXXX XXXX I demand strict validation from the collection agency, including proof of my liability and their legal right to collect this debt. 

XX/XX/XXXXXXXX ) This is a collection account for {$550.00}. I dispute the validity of this account. The reported information is inaccurate. I request a full investigation and require that the furnisher provide complete validation of the debt, including documentation from the original creditor. 

Enclosed with this letter, you will find a copy of my credit report with the disputed items circled. 

Under Section 611 of the FCRA, you are required to conduct a reinvestigation of these items within 30 days. Please provide me with the results of your investigation in writing. If any information is found to be inaccurate, incomplete, or unverifiable, you must delete or correct it promptly. 

Furthermore, upon completion of your investigation, please provide an updated copy of my credit report at no charge.

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