Consumer complaint received 2025-05-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX Sent via Certified Mail To : Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Formal Dispute and Demand for Removal of Inaccurate Credit Information To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally dispute and demand the immediate removal of inaccurate, outdated, and unverifiable information currently being reported on my credit file regarding an account allegedly held with XXXX XXXX XXXX. 

Upon review of my consumer credit reports from your respective bureaus, I have identified multiple discrepancies with the XXXX account in question. These include, but are not limited to : inaccurate payment histories, incorrect balances, and erroneous payment dates. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information furnished and maintained by consumer reporting agencies must be accurate and verifiable.

Under 15 U.S.C. 1681i, I am exercising my right to dispute any information I believe to be inaccurate. You are legally obligated to reinvestigate and either verify, correct, or delete the information within 30 days of receipt of this dispute. If you are unable to verify the accuracy of the disputed account with credible documentation, you must immediately delete the account from my file. 

Additionally, as the furnisher of this information, XXXX XXXX XXXX is obligated under 15 U.S.C. 1681s-2 ( b ) to conduct its own investigation once notified by a credit reporting agency and to promptly correct any data found to be inaccurate or incomplete. Failure to comply with these statutory duties constitutes a violation of federal law, and I will not hesitate to pursue civil damages as provided under 15 U.S.C. 1681n and 1681o, which include actual damages, statutory damages, attorneys fees, and costs.

DEMAND FOR ACTION : 1. I demand that Equifax, Experian, and TransUnion immediately initiate a reinvestigation into the XXXX account and remove the item from my credit file unless you can substantiate its accuracy with verifiable documentation. 
2. I demand that XXXX cease and desist from reporting any inaccurate or unverifiable information, and provide evidence supporting the accuracy of any data currently being reported. 
3. I request written confirmation of the results of your investigation, including copies of any documents used in the verification process.

Please be advised that failure to act within the timeframes and manner prescribed by law may result in further legal action. I expect full compliance within 30 days of your receipt of this notice. 

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