Consumer complaint received 2025-01-21 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccuracies on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccuracies on my credit report, which I recently reviewed. The inaccurate information has negatively impacted my credit profile and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Dispute : Inaccuracies and no validity of debt that is reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : Inaccuracies and no validity of debt that is reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for Dispute : Inaccuracies and no validity of debt that is reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : Inaccuracies and no validity of debt that is reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for Dispute : Inaccuracies and no validity of debt that is reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : Inaccuracies and no validity of debt that is reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for Dispute : Inaccuracies and no validity of debt that is reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : Inaccuracies and no validity of debt that is reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : Inaccuracies and no validity of debt that is reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : Inaccuracies and no validity of debt that is reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : Inaccuracies and no validity of debt that is reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : Inaccuracies and no validity of debt that is reported. 

Despite providing documentation to support my claim, I am concerned about the persistent inaccuracies and potential systemic issues recently highlighted in [ reference to lawsuit if applicable, e.g., a recent lawsuit against Experian involving inaccurate credit reporting or mishandling of consumer disputes ]. This situation underscores the importance of adherence to the FCRAs mandate for accuracy, fairness, and timely correction of errors in consumer reports. 


Enclosed with this letter, you will find copies of supporting documentation to substantiate my claim. These include [ list documents, such as bank statements, letters, or prior correspondence ]. 

Failure to correct these inaccuracies may result in further action to protect my rights as a consumer. This could include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing additional remedies under federal or state laws.

I look forward to your prompt response to this matter within the 30-day period mandated by the FCRA. You may reach me at [ your phone number ] or [ your email address ] if additional information is required. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX : Supporting documentation which includes prior letters sent to verify items and address inaccuracies on report.

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