Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter serves as a final demand regarding the inaccurate reporting of closed accounts on my credit file. These accounts are negatively impacting my credit, and your failure to properly reinvestigate and correct them is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) .__________ On about, I submitted a formal dispute and reinvestigation request via certified mail with return receipt requested regarding the following closed accounts : ________ Reported Creditor : XXXX  XXXX Reported Date Opened : XX/XX/XXXX, XXXX Reported Acct # : XXXX Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information Incomplete & Inaccurately reported_____ Demanded Action : Block and Remove immediatelyXXXX Reported Creditor : XXXX XXXX XXXX XXXX Reported Date Opened XXXX XX/XX/XXXX XXXX XXXX Reported Acct # : XXXX Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information Incomplete & Inaccurately reported_____ Demanded Action : Block and Remove immediately__________ Reported Creditor : XXXX  XXXX XXXX Reported Date Opened : XX/XX/XXXX, XXXX Reported Acct # : XXXX Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information Incomplete & Inaccurately reported_____ Demanded Action : Block and Remove immediatelyXXXX Reported Creditor : XXXX XXXX XXXX  XXXX Reported Date Opened : XX/XX/XXXX, XXXX Reported Acct # : XXXX Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information Incomplete & Inaccurately reported_____ Demanded Action : Block and Remove immediatelyXXXX Reported Creditor : XXXX  XXXX XXXX Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX Acct # : XXXX Dispute : Reinvestigation not completed and updated within 30 days Dispute : Information Incomplete & Inaccurately reported Demanded Action : Block and Remove immediately Reported Creditor : XXXX XXXX XXXX Reported Date Opened : XX/XX/year> Reported Acct XXXX XXXX XXXX Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information Incomplete & Inaccurately reported_____ Demanded Action : Block and Remove immediatelyXXXX Reported Creditor : XXXX XXXX Reported Date Opened : XX/XX/XXXX, XXXX Reported Acct # : XXXX Dispute : Reinvestigation not completed and updated within 30 days____ Dispute : Information Incomplete & Inaccurately reported_____ Demanded Action : Block and Remove immediately_______________ Reported XXXX : XXXX / XXXX XXXX Reported Date Opened : XX/XX/XXXX, XXXX Reported Acct # : XXXX Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information Incomplete & Inaccurately reported_____ Demanded Action : Block and Remove immediately_____ Reported Creditor : XXXX Reported Date Opened : XX/XX/XXXX, XXXX Reported Acct # : XXXX Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information Incomplete & Inaccurately reported_____ Demanded Action : Block and Remove immediately__________ Reported Creditor : XXXX XXXX XXXX XXXX Reported Date XXXX : XX/XX/XXXX, XXXX Reported Acct # : XXXX Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information Incomplete & Inaccurately reported_____ Demanded Action : Block and Remove immediately__________ Reported Creditor : XXXX XXXX XXXX  XXXX Reported Date Opened : XX/XX/XXXX, XXXX XXXX Acct # : XXXX Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information Incomplete & Inaccurately reported_____ Demanded Action : Block and Remove immediately__XXXX Reported Creditor XXXX XXXX XXXX XXXX / XXXX Reported Date Opened : XX/XX/XXXX, XXXX Reported Acct XXXX XXXX XXXX Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information Incomplete & Inaccurately reported______ Demanded Action : Block and Remove immediatelyXXXX Reported Creditor : XXXX XXXX Reported XXXX XXXX XXXX XX/XX/XXXX, XXXX Reported Acct # : XXXX Dispute : Reinvestigation not completed and updated within 30 days_____ Dispute : Information Incomplete & Inaccurately reported_____ Demanded Action : Block and Remove immediately______________ Per 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation and respond within 30 days of receipt. That deadline has now passed, and you have neither removed the accounts nor provided sufficient verification of their accuracy or continued reporting._____ I have also filed a formal complaint with the Federal Trade Commission ( FTC ) documenting your noncompliance and failure to meet your legal obligations._____ These accounts must now be immediately removed from my credit file due to : _____ Your failure to complete a lawful reinvestigation within the FCRA-mandated 30-day period_____ The continued reporting of closed, unverified, or outdated account information in violation of FCRA 607 ( b ) ( failure to maintain maximum possible accuracy ) _____ Your liability under FCRA 616 ( 15 U.S.C. 1681n ) for willful noncompliance and 617 ( 15 U.S.C. 1681o ) for negligent noncompliance_______________ If the accounts are not deleted from my credit file within 10 business days, I will move forward with legal action, including seeking statutory damages, court costs, and attorneys fees._____ This is your final opportunity to comply before escalation._____

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