Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) DOB : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute Request for Investigation and Deletion of Inaccurate Items Under FCRA & FDCPA Dear Dispute Department, This letter is a formal notice that I am disputing inaccurate and/or unverifiable items reported on my credit file. These accounts may be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically under the following laws : 15 U.S.C. 1681e ( b ) Duty to report accurate information 15 U.S.C. 1681s-2 Furnisher obligations to report and investigate 15 U.S.C. 1692g Right to debt validation before collection continues 15 U.S.C. 1681c Limitations on reporting of obsolete information I request a full reinvestigation of the accounts listed below. If the accounts can not be verified with supporting documentation from the original creditor or are found inaccurate, they must be permanently deleted from my report. 

-- - 1. XXXX XXXX XXXX Acct. Ending in XXXX ( Experian ) Issue : No debt validation provided. Reporting continues in violation of 1692g and 1681s-2 ( b ) Resolution : REMOVE account from credit file unless full debt validation is provided. 

2. XXXX XXXX XXXX Acct. Ending in XXXX ( Experian ) Issue : Reports 90-day lates on an account marked Paid and Closed Resolution : REMOVE derogatory marks or delete account in full under 1681e ( b ) XXXX. Lead Bank Acct. Ending in XXXX ( Equifax ) Issue : 30- and 60-day lates reported AFTER closure in XX/XX/XXXX Resolution : DELETE late payments or the account under 1681e ( b ) 4. XXXX XXXX Acct. Ending in XXXX ( Experian & Equifax ) Issue : Reporting inconsistent payment history not reflective of account activity Resolution : Fully investigate and CORRECT or DELETE under 1681s-2 ( b ) 5. XXXXXXXX XXXXk Acct XXXX Ending in XXXX ( Experian & Equifax ) Issue : Charged off since XXXX, showing stale balance with no updates Resolution : DELETE or update to XXXX  balance/settled under 1681c ( a ) ( 4 ) and 1681e ( b ) 6. XXXX XXXX XXXX Acct. Ending in XXXX ( Experian ) Issue : Active foreclosure status with possibly duplicative tradeline Resolution : VALIDATE debt or DELETE account under 1681s-2 ( a ) ( 1 ) 7. XXXX XXXX Acct. Ending in XXXX ( Experian & Equifax ) Issue : 120-day lates from XXXX with {$0.00} balance since XXXX Resolution : DELETE derogatory marks or account under 1681e ( b ) -- - Enclosures : Copy of ID and proof of address Credit reports Summary of disputed accounts and supporting notes Requested Action : Please provide confirmation of your investigation within 30 days. If the information can not be verified with original documents, I request immediate deletion from my credit reports. If this is not resolved within the FCRA-mandated timeline. 

Sincerely, 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