Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair Credit Reporting Act. 
Complaint Summary : I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following accounts : Disputed Account 1 : -Account Name : XXXX XXXXXXXX -Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Disputed Account XXXX : -Account Name : XXXX XXXX XXXX Number XXXX XXXX XXXX XXXX XXXX XXXX Disputed Account 3 : -Account Name : XXXX XXXX XXXX Number : XXXXXXXX XXXX XXXX XXXX XXXX  Disputed Account XXXX : -Account Name : XXXX -Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Disputed Account XXXX : -Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXXXXXX XXXX XXXX XXXX XXXX  Disputed Account XXXX : -Account Name : XXXX XXXX XXXX XXXXXXXX Number : XXXXXXXX XXXX XXXX XXXX XXXX   Disputed Information : Incorrect balance, wrong account status, Incorrect dates, different comments. Inconsistent Date of Last Activity and Inaccurate Payment History.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a re-investigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : I include the following documents : My drivers license, social security card, a letter as proof of address, proof of inaccurate in the disputed account.

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