Consumer complaint received 2025-03-01 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: NE

Complaint narrative:
Subject : Formal Dispute Under 15 U.S. Code 1681o Civil Liability for Negligence To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, your organization may be held civilly liable for negligent noncompliance with the law, which has caused harm to my financial standing.

Upon reviewing my credit report, I identified the following inaccurate and/or unverifiable information : XXXX XXXX XXXX Account with account # XXXX opened on XX/XX/XXXX and a balance of {$630.00}. 
This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due. 
XXXXXXXX XXXX XXXX  Open Account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
Collection account from XXXX XXXX XXXX with account # XXXX  and a balance of {$4800.00}. 
The original creditor is XXXX 2 DAY. 
I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX. 
This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$7400.00}. The original creditor is XXXX XXXX XXXX XXXX XXXXXXXX. 
I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete I have attached supporting documentation to verify my claim. Under the FCRA, you are required to conduct a reasonable investigation and correct or delete any information that can not be verified. Failure to do so within the legally mandated timeframe ( 30 days ) constitutes negligence and XXXX result in legal action. 

To resolve this matter, I demand the following actions be taken immediately : XXXX. XXXX a proper investigation of the disputed information. 
XXXX. Delete or correct any information that can not be substantiated. 
XXXX. Provide me with a written confirmation of the resolution. 

Failure to comply with these obligations under the FCRA will leave me no choice but to pursue legal action for civil damages, including any actual damages sustained due to your negligence. 

Please respond in writing within 30 days of receiving this letter. I expect full compliance with federal law and appreciate your prompt attention to this serious matter. 

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