Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX  XXXX FCRA Dispute Violation of 15 U.S.C. 1681, 623-a-3, and 807-8, by Experian Dear CFPB Representative, I am writing to formally dispute the accuracy and legality of certain information being reported on my credit file, pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Fair Credit Reporting Act ( section 623-a-3 ), and Fair Debt Collection Practices Act ( section 807-8 ) My consumer report includes inaccurate, incomplete, or unverifiable information being reported by Experian.I have attempted to resolve this matter directly with the credit bureau, but the information remains uncorrected. I am demanding an immediate reinvestigation and deletion of the disputed information from my credit file. 

Disputed Account Information : 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 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 XXXXXXXX Legal Grounds for Removal : 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation after a dispute is submitted.

15 U.S.C. 1681s-2 ( a ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

15 U.S.C. 1681s-2 ( b ) Failure of the furnisher of information to investigate, correct, and report results to the consumer reporting agency after receiving notice of dispute.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681c Reporting obsolete or outdated information that should no longer appear on a consumer report. 
Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 623-a-3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) I respectfully request that the CFPB investigate this matter and ensure the credit reporting agency and/or data furnisher complies with their obligations under the Fair Credit Reporting Act. I am requesting that the disputed item ( s ) be : 1. Investigated properly and in good faith 2. Deleted or corrected as appropriate 3. A statement of correction or deletion be sent to all CRAs to whom the inaccurate data was furnished Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. 

Thank you for your attention to this matter. Please feel free to contact me at the information provided above if additional documentation or clarification is needed. 

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