Consumer complaint received 2025-10-19 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: WA

Complaint narrative:
I am submitting this letter to file a formal complaint and dispute inaccurate information being reported by Experian on my consumer credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, XXXX, and XXXX, which require credit reporting agencies and furnishers to ensure maximum possible accuracy of information and to promptly correct or delete any unverifiable or inaccurate data. 

The following accounts appear to be inaccurately reported and/or unverifiable : Dear Experian : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account :XX/XX/XXXX( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Im questioning the accuracy of this item in my report. Please verify this information or remove it. 

Account : XXXX XXXX BANK XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Im questioning the accuracy of this item in my report. Please verify this information or remove it. 

Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Im questioning the accuracy of this item in my report. Please verify this information or remove it. 

Account : XX/XX/XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Im questioning the accuracy of this item in my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Im questioning the accuracy of this item in my report. Please verify this information or remove it. 

Account : XXXX XXXX BANK XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Im questioning the accuracy of this item in my report. Please verify this information or remove it. 

Account : XX/XX/XXXXXXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX This account Is over XXXX XXXX XXXX. Per the FCRA please remove this from my credit report. 

Account :XX/XX/XXXXXXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX This account Is over XXXX XXXX XXXX. Per the FCRA please remove this from my credit report. 

Account : XX/XX/XXXXXXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Im questioning the accuracy of this item in my report. Please verify this information or remove it. 



I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 
Dispute : Please verify and send original contracts for this information for accuracy or remove it if you can not confirm its validity. 

Under 15 U.S.C. XXXX ( a ), Experian is required to reinvestigate and verify the completeness and accuracy of the disputed information within XX/XX/XXXX days of receiving this notice. If the information can not be verified, it must be promptly deleted from my credit report. 

Additionally, under 15 U.S.C. XXXX ( b ), the furnishers of the disputed information are legally obligated to investigate and correct any inaccuracies upon receiving notice of this dispute from the credit reporting agency . 

I respectfully request that this matter be investigated and that Experian provide written confirmation of the results of their re-investigation. If any of these items are found to be inaccurate or unverifiable, I request that they be permanently deleted from my credit file. 

Please forward a copy of this dispute and my supporting information to Experian for review. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/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