Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information - Account/Reference No. [ Your Account/Reference Number from the Report ] Dear Equifax Consumer Relations Department , I am writing to formally dispute inaccurate and incomplete information contained in my Equifax credit file. A copy of my credit report is attached for your reference. 

For proper identification, please find my personal details below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Last 4 Digits of SSN : XXXX The following items are inaccurate, incomplete, or unverifiable, and I request a prompt reinvestigation and permanent deletion of these entries from my credit report : Inaccurate Personal Information : My report lists employers and potentially other old or incomplete addresses. I request that you verify the accuracy of all listed personal data, including previous addresses and employer history, and remove any information that can not be 100 % verified and is not my current, primary address and employer.

Derogatory Accounts ( Collections & Late Payments ) : My report indicates 3 collections accounts and 9 accounts with a history of being late. Due to inconsistencies found across my credit files regarding the number of collections and late marks, the accuracy and completeness of these records are highly questionable. I dispute the accuracy and completeness of all collections accounts, including the {$2700.00} debt listed, and all listed late payment history ( delinquencies ). Specifically, I require verification of the complete payment history for all accounts, and I dispute any payment dates listed as " ND, '' " N/A, '' or represented by dashes, as these indicate incomplete or unverifiable data. Please verify the complete payment history and account details with the original creditor or collector. If the original source documents can not be provided and verified, these derogatory marks must be immediately removed.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that you conduct a reasonable reinvestigation to determine the accuracy of disputed information, you are required to conduct a reasonable reinvestigation of these disputed items within 30 days. Should you be unable to verify the complete and accurate details of these entries, they must be removed from my credit report. 

Please send me the results of your reinvestigation, along with all evidence used to verify the accuracy of the disputed items. 

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