Consumer complaint received 2025-02-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX ] Subject : Formal Dispute Under 15 U.S. Code 1681o ( FCRA Violation ) Dear [ XXXX  dispute Department ], XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The debtors agreed to remove off credit report reporting inaccuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ The debtors agreed to remove off credit report reporting inaccuracy ] XXXX. [ XXXX XXXX XXXX XXXX XXXX ] [ The debtors agreed to remove off credit report reporting inaccuracy ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ Agreed to remove off credit reporting inaccuracy ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ The debtors agreed to remove off credit report, reporting Inaccuracy ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ The debtors agreed to remove of credit report reporting inaccuracyXXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX ) XXXX ] [ The editor agreed to remove off credit report. ] I am writing to dispute inaccurate and/or unauthorized information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe that [ describe the inaccurate or unauthorized information, such as an account, inquiry, or personal information ] has been reported or accessed in violation of my rights. 

Under 15 U.S. Code 1681o, any party that fails to comply with the requirements of the FCRA due to negligence is liable for damages. I believe this applies to my situation, as the inaccurate or unauthorized entry on my report has caused harm, including [ describe any damages such as credit denials, financial loss, or emotional distress ]. 

I formally request the following actions be taken immediately : XXXX. Investigation and Removal Conduct a full investigation into the disputed item and, if it is found to be inaccurate or unauthorized, remove it from my credit file. 
XXXX. Proof of Authorization Provide documented proof that [ company name or entity ] had a permissible purpose under the FCRA to access or report this information. 
XXXX. Updated Credit Report After resolving this dispute, send me a free, corrected copy of my credit report. 

As required by the FCRA, I expect a response within 30 days of receipt of this letter. If this issue is not resolved promptly, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. Additionally, I reserve the right to pursue legal action for damages under 15 U.S.C. 1681o.

Please find attached copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter. 

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