Consumer complaint received 2025-03-11 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Report Information Under 15 U.S. Code 1681o To Whom It May Concern, I am formally disputing the accuracy of several items on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, you are liable for damages if you negligently fail to comply with the law regarding the accuracy of consumer reports. 

Below are the accounts I am disputing due to inaccuracies or unverifiable information : XXXX. XXXX ( Account # : XXXX ) Listed as a collection account with a balance of {$1400.00}, opened XX/XX/XXXX. I do not recognize this debt and request full verification or removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Listed as a collection account with a balance of {$1500.00}, opened XX/XX/XXXX. This account contains outdated and incorrect information. 
XXXX. XXXX XXXX. ( Account # : XXXX ) Listed as a collection account with a balance of {$1000.00}, opened XXXX XXXX, XXXX. I dispute its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Listed as a collection account with a balance of {$840.00}, opened XX/XX/XXXX. I request verification or removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX accounts with balances of {$670.00} and {$700.00}, both listed as collection accounts. I dispute their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account shows a charge-off of {$5400.00} with an inaccurate reporting history. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account shows a charge-off of {$1900.00}, last payment reported as XX/XX/XXXX. I dispute the validity of this listing. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account with a balance of {$740.00}, opened XX/XX/XXXX. I request verification or removal. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account closed but shows a charge-off of {$2100.00}. This should no longer be reporting as a negative item. 

According to 15 U.S. Code 1681i ( a ) ( 5 ), inaccurate, incomplete, or unverified information must be corrected or removed within 30 days. If you can not verify the accuracy of these accounts with concrete documentation from the original creditors, they must be deleted from my credit file immediately.

Please provide me with a written response detailing the results of your investigation. If these errors are not resolved, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and explore legal options to enforce compliance.

Enclosed, you will find copies of my credit report with the disputed items highlighted and any supporting documentation. Please address this dispute promptly and provide a confirmation letter upon resolution. 

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 non-monetary relief