Consumer complaint received 2024-10-16 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: CA

Complaint narrative:
To whom it may concern : [ see document attached ] This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681 i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 2 Year Payment History Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Description : Individual Account Type : Revolving Credit Limit : {$500.00} Account Status : Derogatory Balance Owed : {$93.00} Creditor Remarks : Subscriber reports dispute resolved - consumer disagrees. Unpaid balance reported as a loss by the credit grantor. 
Creditor Type : Credit line secured Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX High Balance : {$0.00} Past Due Amount : {$93.00} Date of Last Activity : XX/XX/XXXX Last Payment : XX/XX/XXXX Payment Amount : {$0.00} Payment Status : XXXX XXXX XXXX XXXX Year Payment History Account Collection/Chargeoff Term Length : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : Description : Individual Account Type : Revolving Credit Limit : {$9500.00} Creditor Type : Credit Card Date Reported : XX/XX/XXXX High Balance : {$0.00} Account Status : Experian XXXX Derogatory Balance Owed : {$7900.00} Creditor Remarks : Subscriber reports dispute resolved - consumer disagrees. Unpaid balance reported as a loss by the credit grantor. 
Activity : Date Opened : XX/XX/XXXX Date of Last XX/XX/XXXX Last Payment : XX/XX/XXXX Past Due Amount : {$7900.00} Experian XXXX XXXX XXXX XXXX, TX XXXX Payment Amount : {$0.00} Payment Status : XXXXXXXX XXXX Collection/Chargeoff Term Length : XXXX Experian XXXX Year Payment XXXX XXXX XXXX XXXX XXXX XXXX co co Experian History Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Description : Individual Account Type : Revolving Credit Limit : {$3700.00} Creditor Type : Credit Card Date Reported : XX/XX/XXXX High Balance : {$0.00} Past Due Amount : {$4500.00} Account Status : Derogatory Balance Owed : {$4500.00} Account has been closed due to inactivity. Unpaid Creditor balance reported as a loss by Remarks : the credit grantor. 
Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Last Payment : XX/XX/XXXX Payment Amount : {$0.00} Payment Status : Inquiries Collection/Chargeoff Term Length : XXXX XXXX XXXX XXXX XXXX XXXX  Experian The information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. 
Once again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Sincerely XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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