Consumer complaint received 2025-05-01 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: LA

Complaint narrative:
To Whom It May Concern, This is my 2nd formal written dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding multiple inaccurate items appearing on my TransUnion credit report. 
You are hereby notified that you are continuing to report inaccurate, unverifiable, and misleading information in violation of FCRA 1681i ( a ) and 1681s-2 ( b ). You are obligated by law to conduct a reasonable reinvestigation within XXXX  days of receiving this notice, and to delete or correct any data that can not be fully verified. 
Despite previous requests, you have failed to remove the items listed below. I am now escalating this matter and will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General if you continue to report unverifiable or inaccurate information. 
Disputed Items : XXXX. XXXX XXXXXXXX Account # XXXX * * Late Payment Reporting ( Inaccurate ) * * Violation : FCRA 1681i Failure to maintain accurate reporting. 
Dispute : Payments have always been made on time. 
Demand : Delete the late payment entries or provide full payment records and verification from XXXX. 
XXXX. XXXX XXXX Account # XXXX * * Charge-Off ( Inaccurate ) * * Violation : FCRA 1681s-2 Reporting inaccurate charge-off status. 
Dispute : Account was settled or paid prior to charge-off. 
Demand : Update to correct status or delete the entry. 
XXXX. XXXX XXXX XXXX Account # XXXX * * Charge-Off & Incorrect Balance * * Violations : FCRA 1681i & 1681s-2 ( b ) Unverified debt and inflated balance. 
Dispute : I do not owe this amount, and the balance is incorrect. 
Demand : Provide complete account verification or delete the tradeline. 
XXXX. XXXX XXXX Account # XXXX * * Charge-Off & Duplicate Entry * * Violation : FCRA 1681c-2 Duplicate reporting of a negative item. 
Dispute : Account is inaccurately reported twice and marked as charge-off. 
Demand : Delete the duplicate and correct the original entry. 
XXXX. XXXX XXXX Inquiry dated XX/XX/XXXX Unauthorized Inquiry Violation : FCRA 1681b ( c ) No permissible purpose. 
Dispute : I did not authorize this inquiry. 
Demand : Remove this inquiry or provide a signed application as proof. 
XXXX. XXXX Account # XXXX * * Late Payment Reporting * * XXXX. XXXX  Account # XXXX * * Late Payment Reporting * * Violation : FCRA 1681i Inaccurate payment history. 
Dispute : All payments made on time. 
Demand : Verify and correct or remove inaccurate late notations. 
XXXX. XXXX XXXX XXXX XXXX Inquiries Dated XX/XX/XXXX & XX/XX/XXXX Violation : FCRA 1681b No authorization provided. 
Dispute : I did not apply for credit with XXXX XXXX. 
Demand : Delete both inquiries or show written proof of authorization. 
This is your final opportunity to conduct a proper reinvestigation. Any item not fully verified with supporting documentation from the data furnisher must be deleted. If not, I will escalate to the CFPB, FTC, and pursue my right to civil action under FCRA 1681n and 1681o for willful and negligent noncompliance. 
I have enclosed the following to verify my identity : A copy of my government-issued ID A copy of my Social Security card A utility bill as proof of address Please respond within the XXXX legal window and send me : XXXX. The results of your investigation for each item XXXX. An updated credit report reflecting corrections XXXX. The name and contact info of each furnisher involved 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