Consumer complaint received 2025-01-04 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To whom it may concern, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$12000.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account, I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information in this account. 
Under 15 USC 1681i ( 7 ) method of verification this account is in violation it was reported without valid evidence. 

XXXX XXXX XXXX XXXXXXXX Mortgage account with account # XXXX opened on XX/XX/XXXX and a balance of {$230000.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 
I previously disputed this account, I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information in this account. 
Under 15 USC 1681i ( 7 ) method of verification this account is in violation it was reported without valid evidence. 

XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$580.00}. 
I previously disputed this account, I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information in this account. 
Under XXXX XXXX XXXX ( XXXX ) method of verification this account is in violation it was reported without valid evidence. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

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 explanation