Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experians continued failure to properly investigate and remove inaccurate credit reporting information. I have been severely impacted by Experians noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), which has resulted in Experians improper reinsertion of disputed items and failure to conduct reasonable investigations into reported inaccuracies. 
As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian in XX/XX/XXXX, citing Experians failure to properly investigate consumer disputes, remove incorrect information, and prevent reinsertion of previously deleted errors. My case falls squarely within the pattern of noncompliance outlined in the lawsuit. As a result, Experians actions have harmed my ability to obtain credit, secure employment, and pursue housing opportunities.

Accordingly, I demand an immediate and thorough investigation into the following disputed accounts and inquiries, as required under the FCRA ( 15 U.S.C. 1681i ). If these items are not verified with legally sufficient evidence within 30 days, they must be permanently removed from my credit file. 
Disputed Accounts : XXXX XXXX XXXX Account XXXX : XXXX The report shows XXXX late payments ( XXXX and XXXX ), which are inaccurate. Only XXXX late payments should be reported. 
Action Requested : Correct the number of late payments or provide validation for these discrepancies. 

XXXX. XXXX XXXX Account Number : XXXX The report reflects XXXX late payments ( ranging from 30 days to 150 days late ) and shows an incorrect balance usage of 100 %. My account has been kept up to date since XX/XX/XXXX. 
Action Requested : Update the payment history and credit usage to reflect accurate data. 
XXXX XXXX XXXX Account Number : XXXX The account was charged off, showing {$2100.00} written off, with XXXX late payments reported, including a charge-off status. These entries contain incorrect dates and balances. 
Action Requested : Verify the accuracy of the payment history or remove this account from the report. 

XXXX XXXX XXXX XXXX Account Number : XXXX The report reflects XXXX late payments and indicates the account was charged off with an incorrect balance of {$830.00}. This information is inaccurate, as my account was settled in full by XX/XX/XXXX. 
Action Requested : Correct the status of the account and remove the charge-off entry. 
XXXX. XXXX Account XXXX : XXXX The report reflects XXXX late payments and a closed account status. This account was paid off in XX/XX/XXXX, and the late payments are inaccurate. 
XXXX Requested : Update the account status to " Paid in Full '' and remove late payments from the report. 

XXXX. XXXX Account XXXX : XXXX The report reflects XXXX late payments and a charge-off status, with a balance of {$2700.00} past due. This account was settled, and the reporting dates are inaccurate. 
Action Requested : Verify or remove the charge-off and late payment history. 
XXXX XXXX Account Numbers : XXXX There are XXXX accounts reflecting XXXX late payments each, which are inaccurate. 
Additionally, the balances, credit usage, and payment history reported by Experian differ significantly from my records. 
Action Requested : Correct the reporting of the balances, late payments, and credit usage or remove the erroneous accounts. 

XXXX XXXX XXXX XXXX Account Number : XXXX This account reflects XXXX late payments, with the last payment in XX/XX/XXXX, showing a past due balance of {$4500.00}. This account has been settled, and the reporting is incorrect. 
Action Requested : Update the account to " Paid in Full '' and remove the late payments from history. 

XXXX. XXXX XXXX XXXX XXXX Account Numbers : XXXX and XXXX Both accounts reflect late payments in XXXX and XXXX. These accounts have been closed, and the reported late payments are erroneous. 
Action Requested : Update the account status to " Closed '' and remove all inaccurate late payment information. 
Also known as XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers BCPSS Pursuant to 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), Experian is required to conduct a reasonable investigation and remove any information that can not be verified. Failure to comply will result in further legal action, including but not limited to, a formal complaint with the CFPB and potential litigation. 
A copy of the CFPBs lawsuit against Experian is attached for reference. Please confirm receipt of this dispute and provide a detailed response within the legally mandated XXXX period. If Experian fails to take corrective action, I will pursue all available legal remedies to protect my rights.

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