Consumer complaint received 2025-06-05 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: MI

Complaint narrative:
I, XXXX XXXX, am filing this complaint due to inaccurate and incomplete information currently being reported on my credit file. Despite submitting previous disputes to both the debt collector and the credit bureau, no corrective action has been taken, and the account remains uncorrected and improperly reported. 

Specifically, the furnishers of the listed accounts and inquiries have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s2 ( a ) ( 3 ) and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ). Over 35 days have passed since my initial dispute, and the relevant account still does not reflect a disputed status, which is a serious violation of federal law. 

Disputed Items Hard Inquiries XXXX XXXX XXXX Bank Inquiry Date : XX/XX/year> XXXX XXXX XXXX Inquiry Date : XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXX Inquiry Date XXXX XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX XXXX  Inquiry Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX Inquiry Date : XX/XX/year> Charge-Off Account XXXX  Account # : XXXX * * * * Inaccurate Personal Information Incorrect Current Address : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Incorrect Previous Address XXXX XXXX XXXX XXXX Highway XXXX # XXXX, XXXX XXXX, TX XXXX Legal Violations 15 U.S.C. 1681s2 ( a ) ( 3 ) : Requires furnishers to report that an account is disputed when notified by the consumer. 

15 U.S.C. 1692e ( 8 ) : Prohibits a debt collector from communicating credit information known to be disputed without disclosing that it is disputed. 

The continued reporting of this account and related inquiries without reflecting its disputed status is a direct violation of both statutes above. 

Supporting Documentation I have enclosed : A copy of my original dispute submitted over 35 days ago A recent credit report clearly showing that the account is not marked as disputed This inaction harms my reputation and misleads creditors or employers who rely on the accuracy of consumer reports. 

Requested Action I am requesting the following relief : Immediate correction of my credit report to reflect that the disputed item is under dispute, in accordance with federal law.

Removal of all inaccurate personal information and unverifiable inquiries.

An updated copy of my corrected credit file.

If this issue is not resolved promptly, I will assert my rights under : 15 U.S.C. 1681n Willful noncompliance 15 U.S.C. 1692k Civil liability for violations of FDCPA Additional Action Being Taken I am also filing formal complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office Better Business Bureau ( BBB ) Please be advised that this dispute is being submitted directly by me, XXXX XXXX, and not by any third party. I respectfully request that this be processed in strict accordance with the FCRA and FDCPA. 

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