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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX TX XXXX Subject : Formal Dispute of Inaccurate and Unverified Information Round XXXX Request for Reinvestigation Dear Experian Dispute Department, I am writing to formally dispute several items on my credit report that appear to be either inaccurate, outdated, unverifiable, or reported without permissible purpose. This is now my fifth attempt to resolve these discrepancies. Under the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15 U.S.C. 1681i ], I request an immediate and thorough reinvestigation into the items listed below. 
________________________________________ Accounts with Disputed Information : XXXX. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$610.00} o Issue : Late payments are being reported incorrectly. Please provide documentation of payment history or delete. 
2. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$1000.00} o Issue : Account details are questionable and inconsistent across bureaus. I request validation or removal. 
3. XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$3700.00} o Issue : Late payments reflected on this account are inaccurate and not properly documented. 
4. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$100.00} o Issue : This charge-off is being reported without appropriate documentation or prior notice. Please validate. 
5. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$310.00} o Issue : Account marked as charge-off with no updated activity or supporting documents. 
6. XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$2300.00} o Issue : Collection account reported prematurely. Original creditor and details not verified. 
7. XXXX XXXX XXXX o Acct # : XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$630.00} o Issue : Debt collection agency failed to provide proof of debt. Reporting is unauthorized. 
8. XXXX XXXX o Acct # : XXXXXXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$1000.00} o Issue : Disputing legitimacy of the charge-off. Requesting immediate deletion if unverifiable. 
9. XXXXXXXX XXXX o Acct # : XXXXXXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$1000.00} o Issue : Charge-off appears outdated ; no recent activity or update. 
10. XXXXXXXX XXXX o Acct # : XXXXXXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$3000.00} o Issue : Same issue as above. No supporting information provided after multiple disputes. 
11. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Balance : {$490.00} o Issue : Payment history is not updated correctly and shows misreporting of late payments. 
________________________________________ Disputing the Following Hard Inquiries : I am also disputing the following inquiries as either unauthorized or lacking permissible purpose under FCRA 604 : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If documentation of my written authorization is not available, please have these inquiries removed.

________________________________________ Fair Resolution Requested : In accordance with my rights under the FCRA, I am requesting the permanent removal or correction of any item that can not be fully verified through original signed contracts or proper documentation. This is my fifth attempt, and I am escalating my concerns accordingly.

Please complete the reinvestigation within the required 30-day period and provide me with a full summary of your findings, along with an updated credit report. 
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