Consumer complaint received 2025-01-19 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: TX

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute the continued presence of inaccurate information on my credit report. Despite my prior attempts to resolve these issues through your dispute process, the errors remain unresolved, and these inaccuracies are harming my financial standing. 

The persistent mishandling of disputes and failure to correct inaccuracies are consistent with the allegations raised in the CFPB lawsuit against Experian ( XXXX XXXX. XXXX ). I believe my case is yet another example of XXXX failure to ensure accurate reporting and proper dispute handling as required under the Fair Credit Reporting Act ( FCRA ). 

The following accounts on my credit report are inaccurate and need immediate correction : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} Status : " Account charged off '' XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : " Account charged off '' XXXX XXXX Bank XXXX XXXX XXXX : XX/XX/XXXX Balance : Not listed Status : " Paid, Closed '' XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : " Closed, {$550.00} written off '' XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} Status : " Account charged off '' XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : " Closed, {$830.00} written off '' XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} Status : " Account charged off '' I have repeatedly disputed these accounts as they contain incorrect balances, statuses, and other inaccuracies. However, Experian has failed to correct them or provide sufficient evidence to validate their accuracy. 

Under the FCRA, you are required to : XXXX a thorough investigation of disputed information. 
Correct or delete any inaccurate, incomplete, or unverifiable information within XXXX  days. 
Notify me of the results of your investigation and provide an updated copy of my credit report. 
The CFPB lawsuit highlights systemic issues within Experian 's processes, including mishandling disputes and failing to properly address inaccuracies. I expect Experian to uphold its legal obligations and resolve these issues immediately. 

Requested Actions : XXXX a full investigation of the accounts listed above. 
Provide a written explanation of the findings for each account, including documentation validating their accuracy. 
Correct or delete any information found to be inaccurate, incomplete, or unverifiable. 
Send me a free copy of my updated credit report reflecting these corrections. 
If these issues are not resolved within XXXX  days, I will escalate this matter by filing additional complaints with the CFPB and other regulatory authorities. 

Enclosed, I have provided supporting documentation, including my credit report highlighting the disputed accounts and prior correspondence regarding my disputes. 

Thank you for your prompt attention to this matter. I look forward to your response.

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