Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : XXXX XXXX for XXXX XXXX and XXXX under 15 U.S.C. 1681-O Dear CFBP I am writing to formally dispute certain information that has been reported to you in my credit file. As per 15 U.S.C. 1681-O of the Fair Credit Reporting Act ( FCRA ), I am requesting immediate investigation and rectification of the non-compliant and negligent practices related to my credit report. 

The specific issues I am disputing are as follows : Inaccurate Reporting of : Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX al XXXX should not be on my credit report. XXXX reported XX/XX/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 inquiries that I don't hold an account with according to Fair credit reporting act 15 USC 1681i ( a ), 15 USC 1681 ( a ) 6 ( B ) 3, and 15 USC 1681i ( a ) ( 5 ) B.

The account referenced above shows inaccurate reporting that I believe violates the legal standards for accuracy and compliance outlined under the FCRA. The discrepancy involves [ describe the nature of the issue, e.g., incorrect balance, erroneous late payment, etc. ].

Failure to Correct Information Following Prior Disputes : Despite prior attempts to dispute this information, it has not been corrected, as required by law. Under the provisions of FCRA 1681i, you are legally obligated to investigate and correct any erroneous information within a timely manner ( usually 30 days ). However, this matter remains unresolved.

Negligent Handling of My Personal Data : I have reason to believe that your handling of my personal information, as outlined under FCRA 1681e, may be in violation of the legal standards for maintaining accuracy and updating records, resulting in harm to my creditworthiness and financial reputation.

As per 15 U.S.C. 1681-O, I request the following actions be taken immediately : An expedited investigation into the accuracy of the disputed items.

Correction of all inaccurate and non-compliant information.

A written response confirming that all issues have been addressed and corrected.

Please also provide me with a copy of my corrected credit report reflecting the necessary amendments after the investigation is concluded. If you fail to comply with these legal obligations, I will be forced to seek further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing other remedies under the FCRA.

I appreciate your prompt attention to this matter and expect a resolution within the time frame set by law. 

Sincerely, 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