Consumer complaint received 2025-09-26 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: VA

Complaint narrative:
XXXX M XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Accounts Credit Report File # XXXX To Whom It May Concern : I am writing to dispute the accuracy and completeness of the following accounts appearing on my Experian credit report dated XX/XX/XXXX ( File Number XXXX ). 

Each of the accounts listed below contains inaccurate, incomplete, or unverifiable information. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ), Experian is required to conduct a reasonable reinvestigation of each disputed item, delete any item that can not be verified within 30 days, and provide the results to me in writing. 



Disputed Accounts XXXX XXXX Account # XXXX | Balance {$360.00} | Opened XX/XX/XXXX | Status : Charged off. 

XXXX  XXXX Account # XXXX  | Balance {$53.00} | Opened XX/XX/XXXX | Status : Charged off. 

XXXX  XXXX Account # XXXX  | Balance {$100.00} | Opened XX/XX/XXXX | Status : Charged off. 

XXXX  XXXX Account # XXXX | Balance {$110.00} | Opened XX/XX/XXXX | Status : Charged off. 

XXXX  XXXX Account # XXXX | Balance {$19.00} | Opened XX/XX/XXXX | Status : Charged off. 

XXXX  XXXX Account # XXXX  | Balance {$65.00} | Opened XX/XX/XXXX | Status : Charged off. 

XXXX  XXXX Account # XXXX | Balance {$65.00} | Opened XX/XX/XXXX | Status : Charged off. 

XXXX  XXXX Account # XXXX  | Balance {$310.00} | Opened XX/XX/XXXX | Status : Charged off. 

XXXX XXXX  Account # XXXX | Auto Loan | Opened XX/XX/XXXX | Paid/Closed. 

XXXX XXXX XXXX XXXX Account # XXXX | Secured Card | Opened XX/XX/XXXX | Paid/Closed. 

XXXX XXXX XXXX XXXX Account # XXXX | Secured Loan | Opened XX/XX/XXXX | Paid/Closed. 

XXXX XXXX Account # XXXX | Balance {$2600.00} | Opened XX/XX/XXXX | Status : Charged off. 

XXXX XXXX Account # XXXX | Balance {$730.00} | Opened XX/XX/XXXX | Status : Charged off. 

XXXX XXXX XXXX  Account XXXX XXXX | Balance {$150.00} | Opened XX/XX/XXXX | Status : Open. 

XXXX XXXX  Account # XXXX | Balance {$880.00} | Opened XX/XX/XXXX | Status : Open. 

XXXX XXXX XXXX  Account # XXXX | Balance {$2400.00} | Opened XX/XX/XXXX | Status : Open. 

XXXXXXXX XXXX  Account # XXXX | Charge Card | Opened XX/XX/XXXX | Paid/Closed. 

XXXX XXXX  XXXX Account # XXXX | Balance {$1900.00} | Opened XX/XX/XXXX | Status : Charged off. 

XXXX XXXX XXXX  Account # XXXX | Balance {$0.00} | Opened XX/XX/XXXX | Status : Closed/Charged off. 

XXXX Account # XXXX | XXXX XXXX | Opened XX/XX/XXXX | Paid/Closed. 



These accounts contain reporting errors and/or can not be verified as accurate. 

I request that Experian : Conduct a full reinvestigation of each item listed above. 

Delete or correct any item that can not be verified with complete and accurate documentation within 30 days. 

Provide me with a free updated credit report reflecting the results of your investigation. 

Provide the name, address, and telephone number of each furnisher of information you contact. 



If Experian can not verify the accuracy of any of these items, they must be removed immediately from my credit file as required by the FCRA. 



Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the results of your reinvestigation within the time allowed by law. 



Sincerely, XXXX M 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