Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Experian Consumer Dispute Center po box XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Reference to CFPB Lawsuit Against Experian Re : XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX Experian File Number : XXXX Dear Sir or Madam, I am writing to formally dispute the continued inaccuracies and errors that appear on my credit report, specifically those related to the [ list types of errors, collections, late payments, etc. ]. These issues persist despite my prior disputes with Experian, and I am now compelled to take action in light of the Consumer Financial Protection Bureau ( CFPB ) 's lawsuit against Experian regarding inadequate dispute handling and failure to correct inaccurate information. As outlined in the CFPB 's enforcement action, Experian has been accused of failing to comply with consumer protection laws and mishandling consumer disputes, which I believe directly impacts my case. 

Items in Dispute : XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$780.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX inaccurate late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As a consumer, I have the legal right under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, to have accurate and complete information reported on my credit file. The FCRA also mandates that when a consumer disputes any information on their credit report, the credit reporting agency ( Experian in this case ) must investigate the dispute and make any necessary corrections within 30 days.

However, in light of the CFPBs recent lawsuit against Experian, I am particularly concerned that the errors on my report have not been corrected despite multiple attempts to dispute them. This situation is in direct violation of the FCRA, which requires credit reporting agencies to ensure maximum possible accuracy and rectify discrepancies in a timely and efficient manner. The CFPB lawsuit highlighted that Experian was failing to properly investigate disputes and remove inaccurate information, resulting in consumers, like myself, suffering from prolonged credit report errors that affect creditworthiness and financial opportunities.

Request for Action : In accordance with the FCRA and in light of the CFPB lawsuit, I request that Experian immediately : Properly investigate and correct the disputed entries on my credit report, which remain inaccurate despite my previous disputes.

Provide me with written verification that the necessary corrections have been made and provide me with an updated copy of my credit report reflecting these changes.

Take immediate action to ensure compliance with the FCRA, particularly regarding the investigation of disputes and the removal of inaccurate information as detailed in the CFPB lawsuit.

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