Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Under Section 1681o of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally dispute an entry on my credit report in accordance with Section 1681o of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of information reported. After reviewing my credit report, I have identified an error that I believe requires correction or removal due to negligent reporting or failure to meet the statutory requirements of the FCRA. 



*Disputed Item : XXXX XXXXXXXX XXXX {$1200.00} [ Disputed Item XXXX No original contract verifying the debt, no account number, no records of payments made on the account ] *Reason for Dispute : Information is inaccurate and documentation of contract verifying the debt has not been investigated and or not released to me within XXXX days. 

*Disputed Item : XXXX XXXX Collect- {$1500.00} [ Disputed Item XXXX, XXXX, XXXX No original contract verifying the debt, no account number, no records of payments made on the account ] *Reason for Dispute : Information is inaccurate and documentation of contract verifying the debt has not been investigated and or not released to me within XXXX days. 

*Disputed Item : XXXX XXXX XXXXXXXX XXXX XXXX {$2100.00} [ Disputed Item XXXX, XXXX, XXXX No original contract verifying the debt, no account number, no records of payments made on the account ] *Reason for Dispute : Information is inaccurate and documentation of contract verifying the debt has not been investigated and or not released to me within XXXX days. 

*Disputed Item : XXXX XXXX ( XXXX of XXXX ) - {$1500.00} [ Disputed Item XXXX, XXXX, XXXX No original contract verifying the debt, no account number, no records of payments made on the account ] *Reason for Dispute : Information is inaccurate and documentation of contract verifying the debt has not been investigated and or not released to me within XXXX days. 

*Disputed Item : XXXX XXXX ( XXXX of XXXX ) - {$58.00} [ Disputed Item XXXX, XXXX, XXXX No original contract verifying the debt, no account number, no records of payments made on the account ] *Reason for Dispute : Information is inaccurate and documentation of contract verifying the debt has not been investigated and or not released to me within XXXX days. 

*Disputed Item : XXXX XXXX XXXX XXXX {$2300.00} [ Disputed Item XXXX, XXXX No original contract verifying the debt, no account number, no records of payments made on the account ] *Reason for Dispute : Information is inaccurate and documentation of contract verifying the debt has not been investigated and or not released to me within XXXX days. 

*Disputed Item : XXXX XXXX XXXX XXXX XXXX {$160.00} [ Disputed Item XXXX, XXXX, XXXX No original contract verifying the debt, no account number, no records of payments made on the account ] *Reason for Dispute : Information is inaccurate and documentation of contract verifying the debt has not been investigated and or not released to me within XXXX days. 

I respectfully request that you investigate this issue and update or remove the erroneous information in accordance with your obligations under the FCRA. Specifically, I believe that the information violates the FCRAs requirement for accuracy and completeness. I have attached supporting documentation to assist you in the investigation process, verifying my name, address, and a utility bill verifying my address. 

Under Section 1681o, if the reporting agency fails to meet the FCRA requirements, they may be subject to damages. Therefore, I urge you to conduct a thorough and prompt investigation of this matter. 

Please notify me of the results of your investigation, and if the disputed information is not corrected or removed, I request a written explanation outlining why the information remains on my report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX [ Enclosures XXXX XXXX XXXX XXXX License, and a utility bill to verify my address

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