Consumer complaint received 2024-06-25 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: GA

Complaint narrative:
XXXX XXXX XXXXXXXX Experian XXXXXXXX XXXX XXXX Dispute of Inaccurate Information on Credit Report ( Account : XXXX XXXX XXXX XXXX Account Number : XXXX ) I am writing to formally dispute the inaccurate information on my Experian credit report concerning the XXXX XXXX XXXX account, Account Number : XXXX. Experian 's verification and validation of this account in XX/XX/year>, following a reinvestigation, have failed to address and correct the persistent inaccuracies despite my providing evidence of these discrepancies. 

**Details of Discrepancy : ** - **Account Details : ** XXXX XXXX XXXX XXXX Account Number : XXXX - **Verification Date : ** XX/XX/year> - **Current Status : ** Verified and validated inaccurately - **Issues Raised : ** Experian failed to provide documentation of investigation and contacts for follow-up, violating USC 1681 ( c ) ( 1 ), ( c ) ( 2 ), and 1681i. 
- **Persistence of Inaccuracies : ** The account continues to report fraudulent inaccuracies affecting my credit score and access to credit. 

**Legal Basis for Dispute : ** - **15 U.S.C. 1681i : ** Mandates credit reporting agencies to conduct a reasonable reinvestigation of disputed information and document results. 
- **15 U.S.C. 1681e ( b ) : ** Requires credit reporting agencies to maintain accurate information and follow reasonable procedures. 
- **15 U.S.C. 1681s-2 : ** Requires furnishers of information to provide accurate and verifiable data, correcting or deleting inaccurate information. 

Experian 's failure to correct these inaccuracies, despite multiple requests and the provision of evidence, has unfairly impacted my credit standing and ability to secure credit opportunities. 

**Requested Actions : ** 1 Provide a copy of my consumer file 2. Provide documentation of the reinvestigation process, including details of the entities contacted and responses received. 
3. Delete the inaccurate information related to this account from my Experian credit report. 
4. Provide a revised copy of my credit report reflecting the accurate status of the XXXX XXXX XXXX account. 



Thank you for your prompt attention to this matter. Should you require additional information or documentation to facilitate this investigation, please contact me at the phone number or email address provided. 




Enclosures : - Copy of relevant sections of my credit report from Experian highlighting the inaccuracies. 
- Supporting documentation proving the inaccuracies ( if applicable ). 

-- - Make sure to adjust the details, such as your personal information, account number, and any supporting documents you wish to include, before sending the letter. This format ensures clarity and emphasizes your rights under the FCRA while requesting swift action from Experian.

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