Consumer complaint received 2025-09-01 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: WI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX Experian Dispute Department Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : FINAL FOLLOW-UP DISPUTE Comprehensive Re-Audit ; Permanent Deletion/Blocking of Inaccurate/Unverifiable Items ; Full Method-of-Investigation ; Privacy/Permissible-Purpose ; Remove All Phone Numbers from File Dear Experian Dispute Department, I am re-submitting a comprehensive, itemized dispute and demanding full compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. This filing incorporates, verbatim, prior complaint language and adds a consolidated timeline and complaint log with dates, IDs, subjects, companies, and outcomes from the CFPB portal. You must delete any item that is inaccurate, incomplete, or can not be verified within FCRA timelines, and provide a detailed Method-of-Investigation ( MOI ) for each disputed entry. 

Identity & contact Name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX No phone number : Remove any and all telephone numbers from my file and confirm removal in writing. Do not add or infer any phone number going forward. 

Legal bases ( summary ) FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) : reasonable procedures to assure maximum possible accuracy.

FCRA 611 / 15 U.S.C. 1681i : reasonable reinvestigation ; delete/correct information that is inaccurate, incomplete, or can not be verified ; provide furnisher contact data ; upon request supply the MOI.

FCRA 604 / 15 U.S.C. 1681b : permissible purpose required for inquiries ; purge any inquiry lacking a documented permissible purpose.

FCRA 605 & 605B / 15 U.S.C. 1681c-2 : obsolescence limits ; identity-theft blocking upon receipt of an Identity Theft Report.

GLBA ( 15 U.S.C. 6801 et seq. ), Privacy Act ( 5 U.S.C. 552a ), 26 U.S.C. 6103 : protect nonpublic personal information ; avoid unauthorized disclosure/retention. 



Dear Sir/Madam, I am writing this letter to file a formal complaint against the three major credit reporting bureaus, XXXX, XXXX, and Experian, regarding their failure to comply with my requests for the deletion of negative unverified items on my credit report. I have experienced significant financial hardship and reputational harm due to inaccurate information that remains on my report. I have made multiple attempts to rectify the issue by formally requesting verification of the negative accounts from XXXX, XXXX, and Experian through written correspondences sent on XX/XX/XXXX, and XX/XX/XXXX. Regrettably, I did not receive the verification I requested, nor did any of the bureaus delete the unverified accounts. Therefore, I kindly request that the Consumer Financial Protection Bureau promptly investigate my complaint and take appropriate action to ensure that XXXX, XXXX, and Experian delete all negative unverified accounts from my credit report. 

XXXX XXXX XXXX  prior results list ( pattern evidence ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX complaint log ( XXXX subjects companies outcomes ) XXXX Credit reporting Problem with a company 's investigation into an existing problem XXXXXXXX XXXX  Filed XX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. 

XXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXXXXXX 

XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. 

XXXX Credit reporting Improper use of your report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. 

XXXX I do not know Attempts to collect debt not owed XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. 

XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. 

XXXX Credit reporting Incorrect information on your report EXPERIAN XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. 

XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. 

XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. 

XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. 

XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Company responded. 

XXXX Medical debt Attempts to collect debt not owed Professional Colletors Filed XX/XX/XXXX Closed ; Company responded. 

XXXX Credit reporting Problem with a company 's investigation into an existing problem EXPERIAN LEGAL XXXX XX/XX/XXXX Closed ; Company responded. 

XXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. 

XXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. 

XXXX Credit reporting Improper use of your report XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. 

XXXX Credit reporting Improper use of your report EXPERIAN Filed XX/XX/XXXX Closed ; Company responded. 

XXXX Credit reporting Improper use of your report XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed ; Feedback provided. 

XXXX Credit reporting Problem with a credit reporting company XXXX XXXX into an existing problem EXPERIAN Credit reporting Agency XXXX XX/XX/XXXX Closed ; Company responded. 

XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. 

XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX Filed XX/XX/XXXX Closed ; Company responded. 

Damages & remedies reserved : 15 U.S.C. 1681n ( willful ), 1681o ( negligent ) : actual, statutory, punitive damages, and fees/costs. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI 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