Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
XX/XX/year> Subject : Formal Dispute and Notice of Civil Liability for Negligent Noncompliance under 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute the following inaccurate information on my Experian/Equifax/Transunion credit report , as the company has failed to properly investigate and correct these inaccuracies, violating obligations under the Fair Credit Reporting Act ( FCRA ).

The inaccurate information includes : 1. Collection Account XXXX XXXX XXXX ( {$550.00} ) - This collection account is inaccurate because the debt does not belong to me. I have never received notice of this debt nor agreed to any obligation with this company. I previously attempted to dispute this item, but it remains on my report. I request verification of the original creditor and a copy of the purchasing agreement. If valid written documentation can not be provided verifying that this debt is mine, I request that this account be removed from my Experian/Equifax/Transunion credit report immediately .

2. XXXX XXXX XXXX XXXX XXXX XXXX ( {$20000.00} ) - This account is inaccurately reported as an incorrect balance. According to my records, the account status is wrong. I request verification of this debt, including the purchasing agreement, and an update to reflect its correct status. If valid written documentation can not be provided verifying that this debt is mine, I request that this account be removed from my Experian/Equifax/Transunion credit report immediately . 

XXXX. XXXX XXXX XXXX XXXX XXXX ( {$380.00} ) - This account is incorrectly listed as charged-off, but it was closed in good standing. I attempted to resolve this with ADS/Comenity, but no corrections were made. I request verification of the original creditor and a copy of the purchasing agreement. If valid written documentation can not be provided verifying that this debt is mine, I request that this account be removed from my Experian/Equifax/Transunion credit report immediately .

Under 15 U.S. Code 1681o, any entity that negligently fails to comply with the FCRA is liable for actual damages sustained by the consumer, as well as attorneys fees and court costs. This failure to reasonably investigate and correct these errors has caused harm, including but not limited to : - Denial of credit, housing, or employment opportunities - Negative impact on credit standing - Unnecessary financial hardship To resolve this matter, I request the following actions : - Conduct a thorough investigation of this dispute and provide a written response within the required timeframe under the FCRA. 
- Correct or remove the inaccurate information from the report.

- Provide written confirmation of the resolution.

If this issue is not resolved promptly, I am prepared to take further legal action to seek damages as provided under 15 U.S. Code 1681o.

Please respond in writing regarding the outcome of this dispute.

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