Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
b'XXXX XXXX XXXX  \nXXXX XXXX XXXX XXXX\nXXXX,Tx\nXXXXXXXX\n1XXXX\nDate: XXXX\nTo:\nExperian\nXXXX XXXX XXXXnXXXX, PA XXXX\nSubject: Formal Dispute of Inaccurate and Potentially Unverifiable Information -\nImmediate Deletion Requested\nDear XXXX  Dispute Department,\nI am writing to formally dispute inaccurate and potentially unverifiable information on my\nXXXX  credit report as allowed under the Fair Credit Reporting Act (FCRA), 15\nU.S.C. 1681(a). The following account, which appears on my credit report, contains\nincomplete, inconsistent, or outdated information, and I am demanding an immediate\ninvestigation and removal if the data cannot be fully verified with original documentation.\n* Account in Dispute:\n Account Number: XXXX\n-XXXX\n-XXXX\n-XXXX\n-XXXX\n-XXXX\n-XXXX\n-XXXX\n-XXXX\n-XXXX\n-XXXX\n-XXXX\n-XXXX\n-XXXX\n-XXXX\nExperian\n\n Reported Closed by XXXX\n Current Balance: $XXXX\n High Credit & Limit: $XXXX\n Monthly Payment: $XXXX\n Last Active: XXXX\n Status: Terminated (XXXX) - Conflicts with Experian Reporting "Open Dispute Basis and Legal Violations:\n1. Inconsistent Reporting Across Bureaus:\nThis account is reported as "Terminated" and "Closed" by XXXX, but appears as\n"Open" with Experian as of the same reporting date (XXXX). This is a clear violation\nof FCRA  1681e(b), which requires data furnishers and CRAs to ensure maximum\npossible accuracy.\n2. Incomplete Information / $XXXX  Balances with Missing Data:\nHigh credit, credit limit, payment history, and date of last payment are missing or\nincomplete, making this account unverifiable and non-compliant with FCRA reporting\nstandards. If this account cannot be fully verified using original source documentation\nwithin 30 days, it must be permanently deleted per FCRA $1681(a) (5) (A).\n3. Inactive and Outdated Account:\nWith no balance, no monthly payments, and no activity since XXXX this account\nprovides no predictive value to lenders and negatively affects my score due to its\n"terminated" status. If not fully verifiable, it must be removed as outdated or\nunreportable under FCRA $1681c(a) (4).\nDemand for Action:\nPursuant to the FCRA, I demand that XXXX:\n Immediately investigate this account and verify each data point with the original\ncreditor.\n If unverifiable or incorrect, permanently delete the account from my credit file.\n Provide a written response with the results of your investigation within 30 days.\n Send me an updated copy of my credit report reflecting the corrected information.\nPlease note, I am fully aware of my rights under federal law, and I will escalate this\nmatter to the Consumer Financial Protection Bureau (CFPB) and state attorney general\nif this issue is not resolved appropriately.\nThank you for your prompt attention to this legal request.\nSincerely,\nXXXX XXXX XXXX \nSSN: XXXX\nDOB: XXXX\nEnclosures: Copy of my ID, proof of address.'

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