Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information Request for Removal or Correction Dear Experian Dispute Department, I am writing to formally dispute the inaccurate information that remains on my credit report despite previous attempts to correct it. The accounts listed below have not been updated or removed, and the inaccuracies continue to harm my credit profile. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), I am requesting that these items be thoroughly investigated, verified, and removed if they can not be confirmed as accurate. 

Here are the specific accounts in question : XXXX  XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Report Number : XXXX Date Submitted : XX/XX/year> Issue : This account remains inaccurate and should be corrected or removed from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Report Number : XXXX Date Submitted : XX/XX/year> Issue : This account contains errors that have not been rectified, and I request immediate correction or removal. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Company : XXXX  XXXX Auto Finance Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Report Number : XXXX Date Submitted : XX/XX/year> Issue : The information on this account is incorrect, and I am requesting an investigation and update or removal. 
XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Report Number XXXX XXXX Date Submitted : XX/XX/year> Issue : This account remains incorrect and should be corrected or deleted. 
XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Report Number XXXX XXXX Date Submitted : XX/XX/year> Issue : This account is inaccurate and has not been updated despite previous disputes. 
XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Report Number : XXXX Date Submitted : XX/XX/year> Issue : This account contains errors and has not been properly corrected or removed. 
I respectfully request that Experian perform a thorough investigation into these accounts. If they can not be verified as accurate, I expect them to be deleted from my credit report in accordance with 15 U.S.C. 1681i. Additionally, I request that an updated copy of my credit report be sent to me once these errors have been addressed.

Please be advised that if this matter is not resolved within the legally mandated 30-day period, I will explore all available legal options, including seeking damages for continued violations under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these issues have been resolved. 

Sincerely, 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