Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am filing this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by failing to fully investigate my dispute submitted on XX/XX/XXXX, identifying 31 inaccurate items on my credit report ( SSN : XXXX ). As of XX/XX/XXXX, 55 days have passed, exceeding the 45-day investigation period ( expired XX/XX/XXXX ) under 15 U.S.C. 1681i ( a ) ( 1 ). Under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ), Experian must delete these items due to noncompliance. 

I sent a dispute via first-class mail on XX/XX/XXXX, and a demand letter via certified mail on XX/XX/XXXX ( delivered XX/XX/XXXX, tracking number XXXX ), demanding deletion by XX/XX/XXXX, due to their partial response ( 4 items " verified and updated '' without details, 27 ignored ). On XX/XX/XXXX, I sent a final demand letter ( delivered XX/XX/XXXX ) requiring deletion by XX/XX/XXXX. On XX/XX/XXXX, at XXXX XXXX EDT, Experian emailed me, claiming my dispute wasnt sent directly and urging online submissiona stall tactic despite certified mail proof. No full response has been received. 

Violations include : Failure to Investigate 27 items ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

Inadequate Investigation for 4 items ( 15 U.S.C. 1681i ( a ) ( 6 ) ).

Failure to Notify Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ).

Unreasonable Barriers ( 15 U.S.C. 1681g ( c ) ) : XX/XX/XXXX email obstructs resolution. 
Impact : Inaccurate reporting risks credit denials and higher rates, causing financial harm and emotional distress. Ive spent significant time pursuing resolution. 

Disputed Items ( from XX/XX/XXXX and XX/XX/XXXX letters ) : Incorrect personal info : XXXX XXXX Incorrect personal info : XXXX XXXX XXXX Incorrect personal info : XXXX XXXX XXXX Incorrect personal info : XXXX XXXX XXXX XXXX Incorrect personal info : XXXX XXXX XXXX  ( # XXXX ) Unauthorized inquiry : XXXX XXXX XXXX ( XX/XX/XXXX ) Unverified account : XXXX XXXX XXXX ( # XXXX ) Unverified account : XXXX XXXX XXXX ( # XXXX ) Unverified account : XXXX XXXX XXXX ( # XXXX ) Unverified account : XXXX XXXX XXXX ( # XXXX ) Wrong amount : XXXX XXXX XXXX ( # XXXX ) Unverified account : XXXX XXXX ( # XXXX ) Wrong amount : XXXX XXXX XXXX  ( # XXXX ) Unverified account : XXXX XXXX XXXX ( # XXXX ) Unverified account : XXXX ( # XXXX ) Wrong amount : XXXX XXXX  ( # XXXX ) Unverified account : XXXX XXXX XXXX XXXX  ( # XXXX ) Unverified account : XXXX XXXX XXXX XXXX  ( # XXXX ) Unverified account : XXXX  ( # XXXX ) Wrong amount : XXXX ( # XXXX ) Wrong amount : XXXX XXXX ( # XXXX ) Wrong amount : XXXX XXXX XXXX ( # XXXX ) Wrong amount : XXXX XXXX XXXX ( # XXXX ) Wrong amount : XXXX XXXX XXXX ( # XXXX ) Wrong amount : XXXX XXXX ( # XXXX ) Wrong amount : XXXX XXXX XXXX ( # XXXX ) Wrong amount : XXXX XXXX XXXX XXXX ( # XXXX ) Wrong amount : XXXX XXXX XXXX XXXX ( # XXXX ) Unverified account : XXXX XXXX ( # XXXX ) Unverified account : XXXX XXXX XXXX XXXX ( # XXXX ) Other info : XXXX 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