Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
Copy of the last letter sent to then attached in this box : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX XXXX Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Score Reporting Dear Experian Consumer Relations Team, I am writing to formally express my concern regarding the inaccurate and outdated credit score currently reflected in my credit report, which I accessed today XX/XX/year> ; Despite having addressed and resolved outstanding matters with my creditors and ensuring all payments are current, my credit score has not been updated to reflect these changes accurately. 
The discrepancies in my credit report include, but are not limited to : The Overall Credit Usage at the beginning of my report shows an amount of {$52000.00} which is completely wrong, the total amount of my current debt or credit usage should be XXXX in total as off todays activity. 
This substantial difference of XXXX its been an issue for a while now, before I thought I was a matter of a glitch in your systems, and you eventually will correct but sadly regardless of my efforts this issue its a constant in my report. 
I have taken the necessary steps to ensure my financial records are accurate and in good standing. I have also provided supporting documentation to demonstrate these updates to Experian through your online dispute resolution system and also over your personnel at the customer service desk, on yet the errors persist. 
As you are aware, inaccuracies in credit reporting can significantly affect an individuals financial stability, including their ability to secure loans, housing, and employment opportunities. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and up-to-date consumer information. It is deeply concerning that my efforts to resolve this matter have not been met with timely or satisfactory action. 
I request that Experian immediately : 1. Investigate and correct the inaccurate information in my credit report.

2. Provide written confirmation of these corrections within 30 days of receipt of this letter.

If Experian fails to address this issue promptly and satisfactorily, I will have no choice but to escalate this matter through legal means. This may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to pursue damages caused by this negligence. 
I trust Experian will take this matter seriously and act swiftly to resolve it. Please confirm receipt of this letter and provide me with an update on the status of my dispute by not later than XX/XX/XXXX, this date will reflect two weeks from when this letter was sent. 
Thank you for your prompt attention to this critical matter. Should you require any additional information or documentation to assist with your investigation, please do not hesitate to contact me at XXXX or XXXX Sincerely, XXXX XXXX XXXX XXXX : attached to this letter you will have a copy of my DL and my SS I am confident your professionalism to this matter will be corrected in a fast and permanently way.

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