Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Here 's the updated version of your complaint with the new confirmation numbers : -- - **Subject : ** Urgent Complaint Regarding XXXX 's Gross Negligence and Failure to Correct Credit Reporting Errors **Dear CFPB, ** I am writing to file a **formal and urgent complaint** against XXXX for their **blatant disregard** of my rights under the XXXXFair Credit Reporting Act ( FCRA ) ** and their failure to correct significant errors on my credit report. Despite **multiple attempts** to resolve this issue directly with XXXX, including sending a formal dispute letter, they have **failed to take any meaningful action**, resulting in severe harm to my creditworthiness and financial stability. 

**Previous CFPB XXXX : # XXXX **FTC affidavit** : # XXXX # # # The Issues That Require Immediate Resolution : 1. XXXX XXXX - XXXX XXXX : XXXX - **Balance** : {$1100.00} - **Date Opened** : XX/XX/XXXX - **Account Type** : Collection - This account was **incorrectly reported** and must be **removed** from my credit report. Despite providing all necessary documentation, including a **dispute letter**, XXXX has failed to correct this error**. 

2. XXXX XXXX - **Account Number** : XXXX - **Balance** : {$820.00} - **Date Opened** : XX/XX/XXXX - **Account Type** : Collection - This account was **incorrectly reported** and must be **removed** from my credit report. Despite submitting supporting documentation, **XXXX has ignored my request** and has failed to correct the issue. 

3. XXXX*HARD INQUIRIESXXXX : - **XXXX XXXX XXXX** - **Inquiry Date** : XX/XX/XXXX - This hard inquiry was **incorrectly reported** and should be **removed** from my credit report. 

- **XXXX XXXX  BANK NA** - **Inquiry Date** : XX/XX/XXXX - This hard inquiry was **incorrectly reported** and should be **removed** from my credit report. 

# # # Timeline of Events : - On XXXX XXXX, I first noticed these errors on my credit report and promptly disputed them through XXXX system. 
- On XXXX XXXX, XXXX, I submitted **additional documentation**, including a **dispute letter** and my FTC affidavit, to substantiate my claims. However, *XXXX failed  to address or correct the issues**. 
- On XXXX XXXX, XXXX, I **followed up** again with XXXX, but they have continued to **stall, ignore my communications, and fail to act** on the provided information. 

I have been patient, but this situation is completely **unacceptable**. XXXX XXXX*continued negligence** is directly damaging my credit score and financial opportunities. Their repeated failure to investigate properly, refusal to correct the errors, and outright **disregard for the law** is a clear violation of consumer protection laws, including the **FCRA**.. 

**XXXX  has had more than enough time** to resolve these issues. Their continuous failure to do so is **completely unacceptable**. This situation has gone on long enough, and I demand immediate resolution. If these matters are not resolved within the timeframe provided, I will take all necessary steps, including legal action, to ensure that **XXXX is held fully accountable** for their actions. 

Thank you for your immediate attention to this matter. I expect confirmation of the resolution of this issue, along with updates on the corrective actions taken, within the next **15 days**. 

Sincerely, [ XXXX XXXX ] [ XXXX Forest Oak, XXXX, TX XXXX ] [ XXXX ] [ XXXX 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