Consumer complaint received 2025-03-23 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: IL

Complaint narrative:
Attention Report Team at Experian I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 
I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 
XXXX XXXX XXXX XXXX  - XX/XX/year> - Verify that the following inquiry was authorized? - Delete this inquiry due to Violation of 15 USC 1681b XXXX - XX/XX/year> - Verify that the following inquiry was authorized? - Delete this inquiry due to Violation of 15 USC 1681b Please see the above inquiries as well.

The Fair Credit Reporting Act also states that the only permissible purpose for pulling someones credit report is : A ) Firm offer of credit B ) Insurance C ) A court order D ) Employment, for a firm offer of credit, a court order, insurance, or employment. None of the above applies to the inquiries on my credit report. Please erase them immediately. 
Any and all private information should be reporting as the following and other information should be deleted from my credit file : I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX XXXX XXXX XXXX  - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - I PAID THIS IN FULL - and after numerous conversations with this company this should have been removed after I paid it off which has been fulfilled. 
XXXX XXXX - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - Verify this belongs to me. open date, payment history is inaccurate- Delete account immediately for violation of 15 USC 1681e ( b XXXX XXXX XXXX XXXX  - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - Date open, date of last active is not accurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX - XXXX - The court has provided me with an affidavit stating that they do not verify or validate any public records through your organization. I request that you immediately delete this unverified account. - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account.

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter. 
Send back an updated copy of my credit report to the above address. I also request that you send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and attention.

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