Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXXXXXX XXXX TX XXXX To Whom It May Concern, This is my first formal dispute letter regarding inaccurate and unverifiable information being reported on my Experian credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 to request a full investigation of the items listed below and deletion of any items that can not be 100 % verified with documentation from the original creditors. 
________________________________________ Incorrect/Outdated Addresses to Remove : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX These addresses are inaccurate or outdated and must be removed from my report as they do not belong to me or are no longer associated with me. 
________________________________________ Accounts to Investigate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$470.00} Late Payment * * I dispute the late payment status. Please verify with full payment history and original agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$480.00} Late Payment * * I request documentation of this payment history and proof of any alleged delinquency. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1000.00} Late Payment * * This account is unfamiliar to me. Please provide full verification and supporting documentation. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off * * This account is reporting a charge-off despite showing {$0.00} balance. Please explain and verify. 
XXXX. XXXX # XXXX Date Opened : XX/XX/XXXX High Balance : {$12000.00} Charge Off * * I dispute this charge-off. Please provide validation including the original signed agreement and a complete payment record. 
XXXX. XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$520.00} Late Payment * * Please validate the alleged delinquency and provide all relevant documentation. 
________________________________________ XXXX or XXXX XXXX Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These inquiries were not authorized by me. Please remove them in accordance with FCRA Section XXXX, which prohibits unauthorized access to consumer reports. 
________________________________________ If you are unable to verify these accounts or inquiries with sufficient documentation from the original furnishers, I respectfully request that they be deleted from my credit report within the XXXX period as required by law. Please send me the results of your investigation and a corrected copy of my credit report once the investigation is complete. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation