Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I am writing to dispute the following information that appears on my Experian credit report from XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, with a balance of {$220.00}. 
I previously disputed this account and do not agree with your claim that it's frivolous. I personally created and mailed the letter, providing the reason for my dispute in clear and simple language. As per FCRA 1681i ( Reinvestigation of Disputed Information ), you had 30 days to investigate my dispute, and it was not properly done. Please delete any negative information in this account immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$15000.00}. 
I previously disputed this account with the statement : " This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00}, or delete the negative payment status on this account. '' I do not agree with the results of your investigation. As per FCRA 1681i ( Reinvestigation of Disputed Information ), please mail me the proof of your investigation and the proof of the negative payment status for this account, or delete the negative information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$860.00}. 
I previously disputed this account with the statement : " This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge-off and update the balance to {$0.00}, or delete the negative payment status on this account. '' I do not agree with the results of your investigation. As per FCRA 1681i ( Reinvestigation of Disputed Information ), please mail me the proof of your investigation and the proof of the negative payment status for this account, or delete the negative information.

Please reinvestigate these matters and delete or correct the disputed information as soon as possible, in compliance with FCRA 1681i ( a ). I expect your investigation to be completed promptly, within the 30-day period required by law. 
In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Do not accept the findings of any furnisher who has not provided comprehensive and detailed documentation to substantiate the negative information reported. If your investigation reveals insufficient or unverifiable information, I request that the negative information be deleted from my credit report. 
Please provide me with a copy of the specifics of your investigation, including the response from the furnisher, as required under FCRA 1681i. 
I personally signed and sent this letter, and I look forward to your prompt 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