Consumer complaint received 2025-06-22 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To : [ TransUnion XXXX Experian XXXX Equifax ] Subject : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Re : Inaccurate or Unverified Information on My Credit Report Dear [ TransUnion / Experian / Equifax ], I am writing to dispute the following inaccurate and potentially unverified information listed on my credit report datedXXXX XXXX, XXXX. This letter serves as a formal dispute under theFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies investigate disputed information and remove or correct any inaccuracies or unverifiable entries within30 days. 

SECTION XXXX : XXXX XXXX XXXX XXXX. Address Correction : My only current and correct address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX all other addresses from my file, including but not limited to : * XXXX XXXX XXXX  * XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX. Name Correction : My full legal name is : XXXX XXXX XXXX remove any aliases or variations including : * XXXX XXXX * XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX SECTION 2 : Accounts to Investigate or Remove Please reinvestigate and delete the following accounts unless complete documentation of their accuracy and ownership is provided. Some of these are listed as disputed, some are charged off, and others are not verifiable by me. 
XXXX XXXX XXXX Account # : XXXX XXXX XXXX  ) XXXX XXXX XXXX  Status : Derogatory / Charged Off * Balance : {$600.00} * Request : Provide full validation of debt. If not, remove as unverified. 
XXXX ( Original Creditor : XXXX XXXX  ) * Balance : {$310.00} * Status : Derogatory / Disputed * Request : This account is already marked as disputed. Please provide validation or delete. 
XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$310.00} * Status : Collection * Request : Not recognized. Please provide original contract or documentation. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) * Balance : {$1600.00} * Status : Collection * Request : Not verified. Dispute unresolved according to report. Delete if unverifiable. 
XXXX. ( Original Creditor : XXXX XXXX ) * Balance : {$94.00} * Status : Collection * Request : This entry is vague and lacks creditor clarity. Requesting deletion. 
XXXX ( Account # : XXXX XXXX XXXX ) XXXX XXXX XXXX  Balance : {$850.00} * Status : Collection / Chargeoff * Request : Already disputed, unresolved. Please verify or delete under FCRA. 

Supporting Documents Included : * Copy of mygovernment-issued ID * Proof of residenceat XXXX XXXX XXXX XXXX XXXX e.g., utility bill or lease ) * Copy ofcredit report with items highlighted LEGAL NOTICE : According to theFair Credit Reporting Act, the credit reporting agency must : * Investigate the disputed items within30 days * Delete or correct any information that is found to be inaccurate or can not be verified * Provide me with written results of your investigation Thank you for your prompt attention to this matter. Please send a confirmation of receipt and results of the investigation to my address listed above. 
Sincerely, XXXX XXXX XXXX I am filing a compiaint against Equifax ior failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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