Consumer complaint received 2025-03-03 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: MD

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute several inaccurate and derogatory items on my credit reports with Experian, XXXX, and XXXX. My name is XXXX XXXX, and I am asserting my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and other consumer protection laws to ensure that my credit profile is fair, accurate, and verifiable. This letter serves as a formal request for investigation of the items listed below and a demand for their prompt removal if they can not be verified as 100 % accurate and compliant with reporting guidelines. I am submitting this dispute through the CFPBs portal to ensure proper tracking and resolution.

Under FCRA Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute information I believe to be incorrect. The credit reporting agencies are required by law to investigate my dispute and verify the accuracy of the information with the data furnishers. If the information can not be verified or is found to be inaccurate or incomplete, the FCRA mandates that it be corrected or deleted from my credit file. Additionally, FCRA Section 623 ( 15 U.S.C. 1681s-2 ) imposes a duty on the creditors/furnishers to report only accurate information and to promptly correct or remove information that is incorrect. In short, any item that can not be proven accurate must be removed to comply with federal law. 

The specific negative items I dispute and request to be investigated are as follows : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is showing a late payment on my credit report. I dispute the accuracy of this late payment record. I request that you verify the payment history with XXXX XXXX XXXX If complete and accurate documentation of this late payment can not be provided, please delete this derogatory mark from all my credit reports. 
XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX One late payment. My credit report lists a late payment for this XXXX XXXX account. I believe this may be an error, as I am not aware of a legitimately late payment on this account. Please investigate and verify the payment history. Unless you can fully verify that this late payment occurred and was reported correctly, it should be removed from my credit profile. 
XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments. This account is reported with XXXX separate late payments. I have serious concerns about the accuracy of these records. Such multiple delinquencies are damaging and do not reflect my understanding of the accounts history. I request a thorough verification of each of the XXXX late payments. If any can not be confirmed with 100 % accuracy, or if any of these entries are in error, please delete the late payment notations ( or the entire account tradeline, if necessary ) from my credit reports. 
XXXX. XXXXXXXX XXXX  XXXX ( approximately 10 months reported ). My credit report shows that a XXXX XXXX  credit card account was charged-off and remained in charge-off status for 10 months. I dispute the manner and length of this reporting. Please investigate this accounts history, including the dates of delinquency and charge-off. If XXXX XXXX can not verify the accuracy and completeness of this charge-off record ( for example, the balance, dates, and any payments made ), it must be completely removed from my credit files. Charge-off notations are extremely detrimental, and unverified or incorrect information of this nature represents a serious error that must be corrected under the FCRA. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX late payments. This auto finance account is showing XXXX late payments on my reports. I find it unlikely and irregular that there would be so many delinquencies, and I suspect that some of these late payment records are incorrect or duplicative. Such a significant derogatory record has a severe negative impact on my credit. I request that you contact XXXX XXXX XXXX to review and verify each reported late payment on this account. If any of the XXXX late payment entries can not be verified with complete accuracy, or if they are the result of any reporting issues, they should be deleted immediately from my credit profile. 

Each of the above items is questionable in terms of accuracy, and all are causing unwarranted harm to my financial standing. These potential errors have already had a deleterious effect on my credit score, which in turn affects my ability to secure loans, obtain favorable interest rates, and even pursue employment or housing opportunities. It is critical that my credit report only reflect true and verified information. The presence of unverified late payments and a prolonged charge-off creates a false impression of me as a high-risk borrower, which is both unfair and financially damaging. Moreover, reporting information that is inaccurate or can not be verified may constitute a violation of the FCRA and the credit reporting industrys accuracy standards. I trust you will treat this matter with the seriousness it deserves, as maintaining uncorrected errors would not only harm me but also undermine the integrity of the credit reporting system. 

In light of these disputes, I formally request a full investigation into each of the items listed above. Please investigate each account thoroughly and verify all relevant details with the original creditors/furnishers. I expect each credit bureau to re-investigate these items pursuant to 15 U.S.C. 1681i. If your investigation finds that any item is inaccurate, incomplete, or can not be verified, you are required under the FCRA to promptly delete that information from my credit report ( and stop reporting it ). This includes any late payment notation or charge-off record that lacks complete verification. Simply put, if an item can not be proven to be 100 % accurate and belong to me, it must be removed. 

I also urge the furnishers of these accounts ( the creditors listed in the CC ) to review their records and confirm or correct the data they have provided. Under FCRA Section 623, these creditors must investigate my dispute once notified by the credit bureaus, and if they can not verify the information or find that it is indeed erroneous, they are obligated to inform the bureaus to delete the information. Continuing to report information that is unverified or incorrect not only violates federal law but also my rights as a consumer. 

Please note that under the FCRA you have 30 days ( upon receipt of this dispute ) to complete your reinvestigation and respond with the results. If you find any item to be inaccurate or unverifiable, you must remove it from my credit file within this timeframe. FCRA 611 also requires that I be notified of the results of the investigation and receive a written notice of any changes made to my reports. If any disputed information is deleted, kindly provide me with an updated copy of my credit report showing the removal, as well as written confirmation of the deletion. There should be no charge for this updated report or the investigation, as this request is made pursuant to my rights under federal law. Additionally, please note in my file that the disputed items are in dispute ( per FCRA 611 ( c ) ) during the investigation process, and do not reinsert any of the disputed information without notifying me as required by law ( FCRA 611 ( a ) ( 5 ) ( B ) ). 

I want to emphasize the urgency of this matter. These credit report issues have significant implications for my financial well-being. I respectfully ask for your immediate attention and prompt resolution. Failure to properly investigate and correct these issues in a timely manner could indicate willful non-compliance with the FCRA. I trust that wont be necessary and that you will resolve this amicably and lawfully.

In summary, I request : ( 1 ) a complete investigation into the accuracy of the listed late payments and charge-off; ( 2 ) deletion of any information that can not be fully verified as accurate; and ( XXXX ) updated credit reports sent to me reflecting these changes. 

Thank you for taking the time to address this critical issue. I appreciate your anticipated cooperation in correcting these errors and upholding the fairness and accuracy standards mandated by law. I look forward to your prompt response confirming that these disputed items have been removed or corrected. 

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