Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
Re : Formal Dispute of Inaccurate Information Request for Investigation Pursuant to 15 U.S.C. 1681i To Whom It May Concern : I am writing to formally dispute the accuracy and completeness of the following information listed on my credit report maintained by your agency : { Identify the specific account ( s ) you are disputing e.g., XXXX XXXX, Account # XXXX reported as charged off / past due / incorrect balance. If there are SEVERAL accounts, copy and paste this section several times below this line. } ( " XXXX XXXX XXXX XXXX, Account # XXXX ), ( XXXX XXXX XXXX, Account # XXXX ), ( XXXX XXXX XXXX, Account # XXXX ), ( XXXX XXXX XXXX XXXX  ) reported as charged off / past due / incorrect balance. 

This disputed information is inaccurate and/or incomplete. As such, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires that you : Conduct a reasonable reinvestigation of the disputed information.

Review and consider all relevant information I am providing with this letter.

Notify the furnisher of the disputed information.

Delete or correct any inaccurate, incomplete, or unverifiable information.

Provide me with written results of your reinvestigation within 30 days of receipt of this dispute ( or 45 days if you receive information from me during the reinvestigation ).

In addition, as per my legal rights and YOUR OBLIGATIONS under federal law, I am requesting the following : A detailed description of the procedures you used to determine the accuracy and completeness of the information ( as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

The name, address, and telephone number of any furnisher of information contacted in connection with your reinvestigation ( as provided under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ) ).

Notification of any deletion or correction made to my credit file, and that you send updated reports to any party that has received a copy of my report within the past six months ( or two years if for employment purposes ), as required under 15 U.S.C. 1681i ( d ). Please be advised : If your agency fails to comply with these obligations, I reserve the right to file
complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and to pursue all available legal remedies under 15 U.S.C. 1681n and 1681o, including but not limited to actual damages, statutory damages, punitive damages, costs, and attorneys fees in a civil lawsuit that will be filed in my county.

Enclosed is a copy of my current government-issued identification to prove my identity and two ( 2 ) recent statements showing my name and current address. { If you have been at your current address for LESS than 24 months, include a sentence here that states the following : I have lived at my current address for less than 2 years. My prior address was ENTER COMPLETE
ADDRESS HERE. } I look forward to receiving your prompt response, as required by federal law.

Sincerely, 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