Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint regarding the continued inaccurate reporting of account and personal information on my credit report. Despite initiating a formal dispute and requesting validation of the reported items, the credit reporting agency has failed to provide a description of the reinvestigation procedure as required under 15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ).

I submitted a direct dispute to the agency and explicitly requested the following reinvestigation details : The name, address, and telephone number of any furnisher contacted, The name of the person who verified the information, The documentation used to verify the accuracy of the reported accounts, The internal procedures used to ensure maximum possible accuracy.

To date, none of this required information has been provided, and the inaccurate accounts and personal information remain on my report. 

Disputed Accounts Public Record XXXX XXXX Bankruptcy Furnisher : XXXX Case Number : XXXX Charge Off Creditor XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Creditor : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Personal Information Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Incorrect Previous Addresses : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested Documentation and Action I am requesting the immediate disclosure of : The original creditors names and contact information, The name and credentials of the individuals who verified each disputed item, The exact documentation used to validate the accuracy of each item, A complete explanation of the dispute investigation procedures in accordance with 15 U.S.C. 1681i ( 7 ), Immediate removal of any data that can not be fully verified.

Under 15 U.S. Code 1681e ( b ), the credit reporting agency must maintain procedures to ensure maximum possible accuracy. If the disputed information can not be properly validated, it must be corrected or removed.

Violations and Legal Grounds 15 U.S. Code 1681i ( 7 ) Failure to provide reinvestigation procedure upon request 15 U.S. Code 1681e ( b ) Failure to maintain reasonable procedures to ensure accuracy 15 U.S. Code 1681n & 1681o Civil liability for willful and negligent noncompliance I am prepared to take legal action if the matter is not resolved promptly and in full compliance with federal law. 

This complaint is submitted directly by me, XXXX XXXX XXXX, as a natural person and not through any third party. I respectfully request the Consumer Financial Protection Bureau to assist in enforcing my rights and ensuring the credit reporting agency complies with the Fair Credit Reporting Act. 

Sincerely, XXXX 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