Consumer complaint received 2025-01-13 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: SC

Complaint narrative:
I am writing to formally dispute the inaccuracies in my credit report dated, which I received from your agency. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information that I believe is incorrect or misleading. I am requesting that you investigate these inaccuracies and remove them from my credit report immediately all things that were listed in the original complaint! 

I would like to express my frustration regarding the handling of these disputes. For several months, I have been attempting to resolve these inaccuracies, only to experience delays and repeated requests for documentation that I have already provided. This ongoing process has resulted in the loss of time and money, as well as significant stress, while the inaccuracies remain unaddressed. It is disheartening to feel as though I have been repeatedly railroaded by the companies involved, preventing me from properly rectifying these errors. Furthermore, I request that you provide proof of the validity of the disputed items and detail the steps taken to verify this information, rather than simply stating that it has been verified. I would like to see the documentation and evidence that supports the accuracy of these entries, including any correspondence or records that demonstrate how the verification was conducted. Additionally, please include a copy of my signature authorizing the reporting of these items, if applicable. It is important to note that the other two credit reporting agencies have already stated that they could not verify the disputed items. This raises further concerns about the accuracy of the information you report and the processes you have in place for verification. In accordance with 15 U.S.C. 1681i ( a ), I expect a thorough investigation into these matters. Please note that your agency has a legal obligation to ensure the accuracy and integrity of the information you report, as outlined in the FCRA, particularly under 15 U.S.C. 1681e ( b ), which mandates that you follow reasonable procedures to ensure maximum possible accuracy. The inaccuracies in my credit report are causing significant harm to my creditworthiness and overall financial health. They affect my ability to secure loans, credit cards, and other essential financial products. The implications of this inaccurate reporting are substantial, and I urge you to treat this matter with the highest priority. In light of the above, I request the following actions be taken : 1. Conduct a thorough investigation into the disputed items. 2. Provide proof of validity and detail the steps taken to verify the information. 3. Correct or remove the inaccurate information from my credit report within the statutory 30-day period, as required by 15 U.S.C. 1681i ( a ) ( 1 ). 4. Provide me with written confirmation of the results of your investigation, including a copy of my updated credit report reflecting the corrections made. Enclosed, you will find copies of documentation that support my position, including Please ensure that this dispute is resolved promptly, and I look forward to your timely response In the light of the CFPB lawsuit filed against Experian on XX/XX/year>, I insist you conduct a thorough investigation as required by FCRA law. DO NOT ACCEPT the findings of the furnishers who DO NOT provide thorough results of their investigation. Which I will ask and require you to provide to me in full detail with all evidence via US postal mail. IMMEDIATELY delete or correct the disputed information with in the timeline provided by Federal Law!

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