Consumer complaint received 2025-04-04 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : XXXX XXXX for XXXX XXXX under FCRA Section 1681o Dear Sir or Madam, I am writing to formally dispute certain inaccurate or incomplete information on my credit report as provided by your bureau. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe is incorrect. I have disputed this with the bureaus directly but nothing has been done and no steps have been taken to resolve these discrepancies. I also believe that i am a victim of the same unlawful and inaccurate information on my credit reports, similar to others involved in the most current lawsuit filed with both of these companies. Specifically, the information I am disputing pertains to following item ( s ) listed on my credit report : XXXX XXXX XXXX XXXXXXXX Revolving with account opened on XX/XX/XXXX and a balance of {$0.00}. This account is incorrectly reporting that I have 39 late payments. On my XXXX report there are XXXX late payments being reported. Additionally this account was paid off in full and should not be on my credit report at all. 

XXXXXXXX XXXX XXXXXXXX Mortgage with account opened on XX/XX/XXXX and has a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. Additionally this account was paid off in full and should not be on my credit report at all. 

XXXX XXXX XXXX Revolving with account opened on XX/XX/XXXX with a balance of {$66.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX Revolving with account opened on XX/XX/XXXXXXXX  with a balance of {$880.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX Revolving with account opened on XX/XX/XXXX with a balance of {$0.00}. This account is incorrectly reporting that I have 13 late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX XXXX XXXX a balance of {$630.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX XXXX XXXX a balance of {$650.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

As per Section 1681o of the FCRA, I am requesting that you address the inaccuracies in my credit report immediately. This section allows consumers to pursue civil liability for damages resulting from negligent non-compliance with the FCRA. I believe that your failure to accurately investigate, correct, or update my credit information may be a violation of this provision.

I ask that you take the following actions to ensure compliance with the FCRA : 1. Investigate the disputed information : Please conduct a proper investigation and verify the accuracy of the information in question.

2. Correct or Remove the inaccurate information : If the information can not be verified or is found to be inaccurate, I request that it be removed immediately from my credit report. 

Furthermore, if your failure to comply with the provisions of the FCRA is found to be negligent, I reserve the right to pursue damages under Section 1681o for any harm or adverse consequences resulting from the inaccuracies.

As required by law, please provide me with the results of your investigation within 5 days of receiving this dispute, or I will have no other option but to take this up to legal damages, Because i have been denied credit cards, auto loans, and given higher interest rates because of your Negligence to follow compliance. 

Additionally, I request a copy of the updated credit report, reflecting any changes or corrections that have been made as a result of this dispute. 
Thank you for your attention to this matter. I expect a prompt and thorough investigation in compliance with my rights under the FCRA. 

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