Consumer complaint received 2025-08-10 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX  XXXX XXXX, TX XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Factual Dispute Request for Investigation & Removal of Inaccurate Information Dear Credit Bureau, I am formally disputing the accuracy, completeness, and verifiability of the accounts listed below in my consumer report. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act, and the Metro 2 Format reporting guidelines, which require that data furnishers report information accurately, completely, and timely.

Inaccurate Accounts to be Investigated and Deleted : 1.XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX  2.XXXX XXXXXXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  3.XXXX  XXXX XXXX/ XXXX  Acct : XXXX XXXX XXXX XXXX XXXX  4.XXXX  XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  5.XXXX  XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX 6.XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  8.XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX  9.XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  10.XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX 11.XXXX  Acct : XXXXXXXX XXXX XXXX XXXX  XXXX  Factual Basis for Dispute : Upon review of my credit file, these accounts contain inaccuracies , incomplete data, and/or unverifiable information. Examples include, but are not limited to : Reporting statuses inconsistent with actual payment history.

Date of first delinquency or date opened not matching original records.

Accounts continuing to report past the allowable reporting period.

Failure to update account as required by Metro 2 Compliance Condition Codes.

Missing or incorrect balance and status information, which violates 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy.

I request that each of these accounts be : 1.Investigated with the original data furnisher.

2.Verified with documented evidence from the original creditor, not just e-OSCAR automated verification.

3.Corrected or permanently deleted from my credit file if you can not provide documented proof of accuracy.

Per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to delete or correct any information found to be inaccurate, incomplete, or unverifiable within 30 days of receiving this dispute.

Please send me : A written statement of the results of your investigation.

An updated copy of my credit report reflecting the changes.

The name, address, and phone number of each furnisher you contacted.

This letter serves as my formal notice. Failure to comply will result in me pursuing all available remedies under federal law. 

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