Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX HoustonTX XXXX Date : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Request for Investigation and Method of Verification ( MOV ) To Whom It May Concern, This letter serves as a formal Request for Investigation, Verification, and Method of Verification ( MOV ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I am disputing the accuracy and completeness of the following account ( s ) appearing on my Experian credit report. 
Disputed Accounts XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Dispute Reason : Status reported as XXXX through Bankruptcy appears inconsistent with bankruptcy discharge records. Please provide the XXXX confirming verification. 
XXXX XXXX XXXX XXXX. Account Number : XXXX Dispute Reason : Payment history is inaccurate or incomplete. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Payment history is inaccurate or incomplete. 
XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account Number : XXXX Dispute Reason : Payment history is inaccurate or incomplete. 
XXXX XXXX ( Mortgage ) Account Number : XXXX Dispute Reason : Payment history is inaccurate or incomplete. 
XXXX XXXX XXXX  ( XXXXXXXX XXXX ) Account Number : XXXX Dispute Reason : Payment history is inaccurate or incomplete. 


I am requesting that Experian conduct a full reinvestigation of each disputed account and obtain proper verification from the furnisher ( s ). Please provide copies of all documentation used to verify the disputed information, including but not limited to payment histories, account opening dates, last payment dates, and any supporting records reviewed during your process. 
Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I further request the Method of Verification ( MOV ) for each disputed account, including : The name, address, and telephone number of each furnisher you contacted ; A description of the procedure used to determine the accuracy and completeness of the disputed information ; A summary of all documents or records provided by the furnisher in support of verification ; and A copy of each Automated Consumer Dispute Verification ( ACDV ) or Automated Consumer Dispute File ( ACDB ) maintained in your system for this investigation. 


If the furnisher ( s ) can not produce original source documentation that substantiates the lawful basis of the reported information, the disputed entries must be deleted or corrected immediately in compliance with 15 U.S.C. 1681i ( a ) ( 5 ).

Please also ensure that, pending completion of this reinvestigation, these accounts are clearly marked as in dispute on all consumer credit reports, as required by 15 U.S.C. 1681s-2 ( a ) ( 3 ). 
If full verification and written results of the reinvestigation are not provided within 30 days of this request, this will constitute noncompliance with the FCRA. I will then pursue appropriate remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office, and/or initiating arbitration or litigation under 15 U.S.C. 1681n and 1681o. 
Thank you for your immediate attention to this matter. I look forward to your written confirmation and documentation within the statutory timeframe. 
Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX Last XXXX of 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