Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. I am submitting this complaint to report a continued failure by the credit reporting agency to correct inaccurate and unverifiable information in my credit file. This is now the third time I have attempted to resolve this matter, and despite my previous formal disputes, no changes have been made and no adequate reinvestigation response has been provided. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), I have the legal right to request and receive a description of the reinvestigation procedure used, including : The name, address, and phone number of any furnisher of information contacted, The name of the person who verified the information, and The documentation used to verify the disputed data.

To date, I have not received this required information.

Disputed Items Incorrect Personal Information Current Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( Reported XX/XX/XXXX ) Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX ( Reported XX/XX/XXXX ) Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX ( Reported XX/XX/XXXX ) Employer : XXXX XXXX Employer : XXXX Unauthorized/Inaccurate Inquiries 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 XXXX XXXXXX/XX/XXXX Incorrect Account Reporting XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Status : Charge Off Inaccurate and disputed. 

Requested Information Per FCRA 1681i ( 7 ), I am formally requesting the following : The name and contact information of the original creditor/furnisher for each disputed item.

The name of the individual who verified the disputes.

Copies of all documentation used in the reinvestigation.

A detailed description of your agencys dispute handling procedures.

Evidence that the procedures in place ensure maximum possible accuracy under 1681e ( b ).

If you are unable to provide documentation to substantiate the disputed information, the law requires that it be removed from my credit report.

Legal Notice and Intent to Pursue Civil Remedies If your agency continues to ignore this issue, you may be held liable under : 15 U.S.C. 1681n Willful noncompliance 15 U.S.C. 1681o Negligent noncompliance I am prepared to pursue legal action should this matter not be resolved. The credit reporting agency has had ample time and multiple opportunities to correct these inaccuracies.

Conclusion I am asking for a final and immediate resolution to this issue. If you can not provide verifiable documentation for the disputed information, it must be removed immediately. I also request confirmation of what steps will be taken in response to this complaint.

Thank you for your prompt attention. 

Sincerely, XXXX 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