Consumer complaint received 2025-02-17 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: OH

Complaint narrative:
Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX City : XXXX XXXX : Ohio ZIP Code : XXXX Email Address : XXXX Phone Number : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau Subject : Dispute of Inaccurate Items on Credit Report under 15 USC 168 Dear Sir/Madam, I am writing to dispute certain items on my credit report that I believe to be inaccurate and in violation of the provisions outlined in 15 USC 168 , also known as the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report obtained from Experian, TransUnion and Equifax on XX/XX/year>, I noticed several items that are either incorrect or have been reported without proper verification. These inaccuracies have had a negative impact on my creditworthiness and financial well-being, and I kindly request your assistance in rectifying this matter. want this removed from all three credit bureaus, The disputed items on my credit report are as follows : Creditor : XXXX Account Number : XXXX Dispute Reason : This was fraud, and they do not have a contract. I advised that this was fraud, and they validated the debt with just some transactions. I asked for purchase agreement and signed contract with signature, and they did not have it and will not correct this account, want this removed from all three credit bureaus, Name of Creditor : XXXX XXXX  Account Number : XXXX Dispute Reason : This was fraud, and they do not have a contract. I advised that this was fraud, and they validated the debt with just some transactions. I asked for purchase agreement and signed contract with signature, and they did not have it and will not correct this account, want this removed from all three credit bureaus, Name of Creditor : XXXX XXXX Account Number : XXXX Dispute Reason : This was fraud, and they do not have a contract. I advised that this was fraud, and they validated the debt with just some transactions. I asked for purchase agreement and signed contract with signature, and they did not have it and will not correct this account, want this removed from all three credit bureaus, Name of Creditor : XXXX XXXX XXXX Account Number : XXXX Dispute Reason : This was fraud, and they do not have a contract. I advised that this was fraud, and they validated the debt with just some transactions. I asked for purchase agreement and signed contract with signature, and they did not have it and will not correct this account, want this removed from all three credit bureaus, Name of Creditor : Department of ED/XXXXe Account Number : XXXX Dispute Reason : This account is reporting with an incorrect balance, and I provided proof and ask for this to be corrected, and they said it was validated but, I called the loan, and they have no idea where they are getting the incorrect amount, and I want it removed for not reporting accurately. 

Name of Creditor : XXXX XXXX XXXX  Account Number : XXXX Dispute Reason : This was fraud, and they do not have a contract. I advised that this was fraud, and they validated the debt with just some transactions. I asked for purchase agreement and signed contract with signature, and they did not have it and will not correct this account, want this removed from all three credit bureaus, They have also tied me to a incorrect social security and name that I asked to be removed, and they refuse to do so. The social they have that is incorrect is XXXX and the name is XXXX XXXX XXXX Also, inquiries and addresses : XXXX, XXXX XXXX, XXXX XXXX. Addresses : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 


I have attached copies of my credit report highlighting the disputed items for your reference. I have enclosed any supporting documentation that substantiates my claim of inaccuracies, such as payment receipts, correspondence with the creditors, or any other relevant information. 

As per the FCRA, I kindly request that you initiate an investigation into these disputed items and take appropriate action to rectify any inaccuracies found. Specifically, I request that you : Contact the relevant creditors and request verification of the disputed items within the timeframe specified by the FCRA. 
Ensure that the creditors provide accurate and complete information regarding the disputed items. 
Delete any items that are found to be inaccurate, incomplete, or unverifiable. 
Provide me with a written explanation of the results of the investigation and any actions taken to rectify the inaccuracies. 
I understand that, under the FCRA, you have 30 days to complete the investigation and respond to my dispute. I kindly request that you adhere to this timeline and provide me with regular updates on the progress of the investigation. 

I appreciate your attention to this matter and your assistance in resolving these inaccuracies on my credit report. Should you require any further information or documentation, please do not hesitate to contact me at the provided contact details. 

Thank you for your prompt attention to this dispute. I look forward to a favorable resolution and the restoration of accurate information on my credit report. 

Yours 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