Consumer complaint received 2025-01-22 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE : XX/XX/year> Experian Information Solutions, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information in Credit Report Dear EXPERIAN, I am writing to formally dispute inaccuracies in my credit report as provided by your agency. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incomplete or incorrect information. Please investigate the following items and remove or correct them as required by law. 
Details of the Disputed Item ( s ) : Item Description : Account Number # XXXX, XXXX XXXX Account Number # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX for Dispute : [ e.g., The account is reported inaccurately as delinquent when it was paid in full. According to the Internal Revenue Services all abandon property must provide a 1099a or 1099c for the purpose of indebtedness, income can not be reported to consumer reports. 

Reason for Dispute : This action alleges that Experian violated both Acts by failing to reasonably reinvestigate consumer disputes challenging the accuracy or completeness of information in consumer reports, including by failing to forward all relevant information to furnishers, failing to provide adequate or accurate notice to consumers of the outcome of their disputes, and failing to utilize reasonable procedures to ensure the accuracy and completeness of information in consumers files. 
according to the Wisconsin statute code 6 years is the reporting period please remove any and all items related to this violation. 
Supporting Documentation : I have enclosed the following documents supporting my dispute : [ List supporting documents such as proof of payment, correspondence with the creditor, etc. ] Copy of 1099a and 1099c will be attached.

Additionally, I have concerns regarding Experian 's compliance with FCRA guidelines as outlined in the recent Consumer Financial Protection Bureau ( CFPB ) complaint, including but not limited to : 1. Failing to forward all relevant dispute information to data furnishers.

2. Over-relying on incomplete or inaccurate Automated Credit Dispute Verification ( ACDV ) responses.

3. Providing ambiguous or misleading reinvestigation outcomes to consumers.

These practices, as documented in the CFPB 's complaint ( XXXX XXXX : XXXX ), have harmed consumers, and I urge your agency to take these concerns seriously in your reinvestigation process. 
Please complete this investigation and provide a written update of the results within 30 days, as required by law. If the disputed information can not be verified, I request its immediate removal from my credit report. 


Thank you for your prompt attention to this matter. I look forward to your response. 



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