Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, PA XXXX XXXX XXXX. XXXX XXXX, TX XXXX Dispute of Inaccurate and Unverified Credit Information under the Fair Credit Reporting Act ( FCRA ) I am writing to dispute inaccurate and unverified information appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) .The following accounts contain false or unverified information : XXXX. XXXX ( XXXX XXXX ) This account was paid in full and closed as of XX/XX/XXXX, yet continues to reflect late payment notations in XXXX. This reporting is factually inaccurate and violates 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy.2. XXXX ( XXXX XXXX ) This account was paid in full and closed as of XX/XX/XXXX, yet is still reported as derogatory with a 6089 day late status. This misreporting constitutes a failure to maintain accurate data as required under 15 U.S.C. 1681s-2 ( b ) .3. XXXX XXXX This account can not be verified and is not tied to my current or any valid address. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable information must be deleted immediately.4. XXXX XXXX This account is also unverifiable and not associated with any valid address. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), you must investigate and delete unverifiable accounts within 30 days. 
These errors have already caused material harm to me, including denial or delay in obtaining business funding. Continued reporting of inaccurate or unverifiable data constitutes willful noncompliance under 15 U.S.C. 1681n, exposing your agencies to statutory and punitive damages. 
Supporting Case Law ( Recent ) : - XXXX XXXX TransUnion LLC, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), affd in part, 141 S. Ct. 2190 ( 2021 ) Holding that inaccurate reporting that misleads third parties constitutes a concrete injury under the XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX F.R.D. XXXX ( XXXX. XXXX XXXX ) Reaffirming liability where the CRA failed to verify the accuracy of public record data before reportingXXXX XXXX XXXX Experian Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) Finding Experian violated 1681e ( b ) for maintaining outdated and inaccurate data despite consumer dispute. 
Accordingly, I request:1. Conduct a full reinvestigation of the accounts listed above in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) and 1681s-2 ( b ), verifying each item directly with the furnisher.

2. Delete or correct any information that can not be fully verified as accurate and complete, as required under 1681i ( a ) ( 5 ).

3. Provide me with written confirmation of your findings and a copy of my updated credit report within 30 days.Please send written confirmation of your investigation results to my address above. Failure to comply within the 30-day window allowed under the FCRA will be treated as willful noncompliance and may result in further action. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX ( last XXXX digits ) : ( XXXX ) Phone : ( 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