Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute inaccurate and unverifiable information on my credit report. Experian has been reporting incorrect data, and despite no prior dispute from me, the information has not been corrected or removed. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure maximum possible accuracy of consumer reports. However, I have identified multiple errors that Experian has continued to report incorrectly. 

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has recently sued Experian for failing to correct consumer disputes properly and for maintaining inaccurate information in violation of federal law. My dispute aligns with Experians ongoing violations, and I demand immediate action. 

Disputed Accounts & Inaccuracies I request verification of the following accounts or their immediate deletion if you can not provide documentation proving their accuracy. 

XXXX. XXXX XXXX Incorrect 30-day late payments reported on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX Est. Removal Dates : Incorrectly listed as XXXX despite disputes. 

XXXX. XXXX  Incorrect 120+ day late payments on XX/XX/XXXX, XX/XX/XXXX Incorrect 90-day late on XX/XX/XXXX Incorrect 60-day late on XX/XX/XXXX Incorrect 30-day late on XX/XX/XXXX Est. Removal Dates : Incorrectly listed as XXXX. 

XXXX. XXXX Incorrect 120+ day late payments on XX/XX/XXXX, XX/XX/XXXX Incorrect 90-day late on XX/XX/XXXX Incorrect 60-day late on XX/XX/XXXX Incorrect 30-day late on XX/XX/XXXX Est. Removal Dates : Incorrectly listed as XXXX. 

XXXX. XXXX Incorrect 120+ day late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Incorrect XXXX late on XX/XX/XXXX Incorrect 60-day late on XX/XX/XXXX Incorrect 30-day late on XX/XX/XXXX Est. Removal Dates : Incorrectly listed as XXXX. 

XXXX. XXXX Incorrect 120+ day late payments on XX/XX/XXXX, XX/XX/XXXX Incorrect 90-day late on XX/XX/XXXX Incorrect 60-day late on XX/XX/XXXX Incorrect 30-day late on XX/XX/XXXX Est. Removal Dates : Incorrectly listed as XXXX. 

XXXX. XXXX XXXX XXXX 90-day late on XX/XX/XXXX, XX/XX/XXXX Est. Removal Dates : Incorrectly listed as XXXX. 

XXXX. XXXX XXXX Incorrect 60-day late on XX/XX/XXXX Incorrect 30-day late on XX/XX/XXXX, XX/XX/XXXX Est. Removal Dates : Incorrectly listed as XXXX. 

Experians Ongoing FCRA Violations Experian is legally required to : Ensure maximum possible accuracy of consumer reports. ( FCRA 1681e ( b ) ) Reinvestigate and correct inaccurate information. ( FCRA 1681i ( a ) ( 1 ) ( A ) ) Delete unverifiable information if it can not be proven accurate. ( FCRA 1681i ( a ) ( 5 ) ( A ) ) The CFPB lawsuit against Experian has confirmed that the company routinely fails to conduct proper investigations, misrepresents dispute results, and reinserts previously deleted errors. Given Experians history of noncompliance, I demand that my credit file be corrected in full accordance with the law.

Requested Action Per FCRA 1681i, I demand that Experian : 1. Delete or correct all disputed items immediately if no valid proof exists.

2. Provide written verification from the original creditors if Experian refuses to delete any item.

3. Provide a free updated copy of my credit report once corrections are made.

4. Confirm in writing that disputed items will not be reinserted per FCRA 1681i ( a ) ( 5 ) ( B ).

If Experian fails to take action within 30 days, I will escalate my complaint to the CFPB, FTC, and my state attorney general and consider legal action. 

Please investigate this matter and respond in writing as required by 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