Consumer complaint received 2024-11-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SS # XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX I am writing to formally dispute the accuracy of several items listed on my credit report. After thoroughly reviewing my report, I have identified discrepancies that do not meet the standards set by the Fair Credit Reporting Act ( FCRA ), which requires all consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ).

The accounts in question are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S.C. 1681s-2 ( a ), data furnishers are prohibited from providing inaccurate information to consumer reporting agencies. Additionally, under 15 U.S.C. 1681i, you are obligated to investigate disputed information, and if the information can not be verified, it must be deleted promptly.

I am requesting an immediate investigation into these accounts. If these accounts can not be verified as accurate and complete, I demand their removal from my credit report as required by law.

Please provide me with a written confirmation of your findings and the actions taken to address this dispute. If you require additional information from me, do not hesitate to contact me at the phone number or email provided above.

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated 30-day period.

I am disputing unauthorized inquiries on my credit report under 15 U.S.C. 1681b, which restricts inquiries to permissible purposes, and 15 U.S.C. 1681i, requiring investigation and removal of unverifiable entries. Please remove the following inquiries immediately or provide proof of authorization within the legally mandated 30 days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S.C. 1681i, I am disputing inaccuracies in my credit report, including incorrect names, addresses, and employer details. Please investigate and remove any information that does not match my accurate details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as required by law. 
Inaccuracies to Remove Names : XXXX XXXX XXXX XXXX XXXX ( without middle initial ) Dates of Birth : Any date except XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute the accuracy of several items listed on my credit report. After thoroughly reviewing my report, I have identified discrepancies that do not meet the standards set by the Fair Credit Reporting Act ( FCRA ), which requires all consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ).

The accounts in question are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S.C. 1681s-2 ( a ), data furnishers are prohibited from providing inaccurate information to consumer reporting agencies. Additionally, under 15 U.S.C. 1681i, you are obligated to investigate disputed information, and if the information can not be verified, it must be deleted promptly.

I am requesting an immediate investigation into these accounts. If these accounts can not be verified as accurate and complete, I demand their removal from my credit report as required by law.

Please provide me with a written confirmation of your findings and the actions taken to address this dispute. If you require additional information from me, do not hesitate to contact me at the phone number or email provided above.

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated 30-day period.

I am disputing unauthorized inquiries on my credit report under 15 U.S.C. 1681b, which restricts inquiries to permissible purposes, and 15 U.S.C. 1681i, requiring investigation and removal of unverifiable entries. Please remove the following inquiries immediately or provide proof of authorization within the legally mandated 30 days. 
XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Under 15 U.S.C. 1681i, I am disputing inaccuracies in my credit report, including incorrect names, addresses, and employer details. Please investigate and remove any information that does not match my accurate details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, as required by law. 
Inaccuracies to Remove Names : XXXX XXXX XXXX XXXX XXXX ( without middle initial ) Dates of Birth : Any date except XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CFPB Subject : Dispute of Inaccurate Information and Request for Deletion Dear XXXX I am writing to bring to your attention several inaccuracies and incomplete entries on my credit report. Upon reviewing my report recently, I discovered discrepancies that are both concerning and potentially in violation of the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report about individuals ( 15 USC 1681e ( b ) ). Unfortunately, certain entries on my report fail to meet this standard of accuracy.

Furthermore, as stated in 15 USC 1681s-2, it is unlawful for any party to furnish information to a consumer reporting agency if they know, or have reasonable cause to believe, that the information is inaccurate. Additionally, upon dispute, data furnishers are required to investigate and promptly correct or delete any inaccurate information in compliance with 1681s-2 ( a ) and ( b ).

The following accounts are inaccurate and must be investigated and corrected or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I am specifically requesting the immediate deletion of these accounts due to violations of 15 USC 1681s-2 ( a ) & ( b ) and 15 USC 1681e ( b ).

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