Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing this letter to dispute the accuracy of several entries on my credit report regarding XXXX ( student loan ) accounts. These accounts are being reported multiple times, and reported as active, despite the fact that I am no longer in school and the information is not accurate. 

The following dates and amounts have been disputed and recorded previously to this message yet continue to show on my credit report. 

Account * XXXX Dates ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Amount Total Combined XXXX Please see attached copy of the dispute letter sent to XXXX ( excluding personal information ) Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Dispute of XXXX XXXX XXXX Reporting - Inaccurate & Duplicated Accounts ( FCRA Violations ) To Whom It May Concern, I am writing this letter to dispute the accuracy of several entries on my credit report regarding XXXX ( student loan ) accounts. These accounts are being reported multiple times, and reported as active, despite the fact that I am no longer in school and the information is not accurate. 
I am submitting this dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Accounts Being Disputed * Creditor : XXXX * Account Numbers ) : ( please list all account numbers as shown on your credit report ; if not known, write " multiple entries reported '' ) * Nature of Inaccuracy : * These XXXX accounts are appearing multiple times on my credit report. 
* They are reported as active, even though they should not be. 
* The entries are inconsistent and do not match my actual loan status.

* The information is inaccurate and/or unverifiable.

Under the FCRA : FCRA 1681e ( b ) - Maximum possible accuracy You are required to ensure that all information in my file is accurate, complete, and not accurate, complete, and not misleading.

Duplicate accounts and inaccurate status reporting violate this requirement.

FCRA 1681 ( a ) - Reinvestigation of disputes You must conduct a reasonable reinvestigation within 30 days when a consumer disputes any item.

Requested Action I am requesting the following actions : 1. Remove all duplicate XXXX accounts appearing on my credit report. 
2. Correct the reporting status so it accurately reflects that the account is not currently active as reported. 
3. Delete any entries XXXX can not verify with full documentation. 
4. Provide me with an updated copy of my credit report once your reinvestigation is completed. 
Included With This Letter I have included copies ( not originals ) of the Required Response Per FCRA 1681 ( a ), your reinvestigation must be completed within 30 days, and you must notify me in writing of the results, including whether any information was deleted or corrected. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX 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