Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXXXXXX\n\nXXXX XXXX \nXXXX XXXX XXXX XXXX XXXX, WA XXXX \nXXXX \nXXXXn\nSubject: 4th Round Dispute  Failure to Fully Correct Inaccurate Information, Request for Immediate Action under FCRA\nDear Dispute Department,\nI am submitting this letter as part of my 4th round of disputes, and I am extremely concerned with your continued non-compliance with the Fair Credit Reporting Act (FCRA). Despite previous correspondence, your agency has failed to correct or delete inaccurate, outdated, and unverified items, many of which are negatively impacting my credit profile.\nIt is your legal responsibility under FCRA 611(a) to investigate all disputed information and remove or correct any item that cannot be verified with accurate documentation. Additionally, reporting outdated or incomplete data violates FCRA 607(b), which mandates maximum accuracy in consumer files.\nPlease take notice that I am exercising my right to restrict access to inaccurate and unverifiable accounts, and I demand that you address the following items immediately:\n________________________________________\nInaccurate and Unverified Accounts Still Being Reported:\n1.\XXXX   Account #XXXX\nStatus: Late Payments\nXXXX has corrected this item. Why have you not? Please investigate and match correction with XXXX.\n2.\XXXX  Account #XXXX\nStatus: Late Payments\nContinued inaccurate reporting.\n3.\XXXX  Account #XXXX\nStatus: Late Payments\nContinued inaccurate reporting.\n4.\tXXXX  #XXXX\nStatus: Collection\nXXXX often fails to provide accurate validation. If you cannot obtain full validation, delete immediately.\n5.\XXXX  #XXXXnStatus: Charge-Off\nContinued inaccurate reporting.\n6.\tXXXX  XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX A)\nStatus: Collection\nContinued inaccurate reporting.\n7.\tXXXX  #XXXX (Original Creditor: XXXX XXXX XXXX XXXX\nStatus: Collection\nContinued inaccurate reporting.\n8.\tXXXX XXXX  #XXXX (Original Creditor: XXXX XXXX XXXX XXXX)\nStatus: Collection\nDuplicate reporting of XXXX? Confirm and correct.\n9.\tXXXX XXXX   #XXXX (Original Creditor: XXXX XXXX XXXX)\nStatus: Collection\n10.XXXX  #XXXX\nStatus: Collection\nContinued inaccurate reporting.\n11.\tXXXX XXXX   #XXXX (Original Creditor: XXXX XXXX XXXX)\nStatus: Collection\nContinued inaccurate reporting.\n________________________________________\nUnverified or Unauthorized Hard Inquiries\nThese inquiries were either not authorized by me or lack proper documentation:\nXXXX XXXX   XXXX\n\tXXXX XXXX  XXXX\n\XXXX XXXX  XXXX\n\XXXX   1XXXX\nPer FCRA 604(a), consumer reporting agencies may only list inquiries with express written authorization. If you cannot produce such consent, these inquiries must be removed immediately.\n________________________________________\nRequested Actions:\n\tInvestigate and correct all XXXX account discrepancies\n\tDelete or fully verify all collections and charge-offs listed above\n\tDelete all inquiries lacking signed authorization\n\tProvide written verification results within 30 days as required by FCRA\nFailure to comply with these demands may result in a complaint being filed with the Consumer Financial Protection Bureau (CFPB) and possible legal action.\nThis is your final opportunity to remedy this situation responsibly. I expect immediate attention to this matter and a full response in writing.\nSincerely,\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