Consumer complaint received 2025-02-22 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX Email : XXXX Phone : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Credit Report Dispute - Civil Liability for Negligence and Non-Compliance Dear Sir/Madam, I am writing to formally dispute certain inaccuracies found on my credit report. As required by Civil Code Section 16810, I believe that the information provided by your agency contains errors caused by negligence or non-compliance with applicable laws governing credit reporting. 

After reviewing my credit report, I have identified the following issues that I believe are incorrect : XXXX XXXX Issue : No verification of account information and improper balance reported. 
Request : Please verify the account information with the creditor. If this account can not be properly verified, I request that it be deleted from my credit report. 
XXXX XXXX XXXX Issue : No verification of account information and improper balance reported. 
Request : Please verify the account with the creditor. If this account can not be properly verified, I request that it be deleted from my credit report. 
XXXX XXXX 's Issue : No verification of account information and improper balance reported. 
Request : Please verify the account with the creditor. If this account can not be properly verified, I request that it be deleted from my credit report. 
XXXX XXXX Issue : No verification of account information and improper balance reported. 
Request : Please verify the account with XXXX. If this account can not be properly verified, I request that it be deleted from my credit report. 
XXXX XXXXl Issue : No verification of account information and improper balance reported. 
Request : Please verify the account. If this account can not be properly verified, I request that it be deleted from my credit report. 
XXXX XXXX Issue : No verification of account information and improper balance reported. 
Request : Please verify the account with XXXX. If this account can not be properly verified, I request that it be deleted from my credit report. 
Under Civil Code Section 16810, you are required to maintain an accurate and complete record of information, and failure to do so, especially due to negligence or failure to comply with legal requirements, subjects you to civil liability. Therefore, I request that you : Investigate the inaccuracies listed above in accordance with the Fair Credit Reporting Act ( FCRA ).

Provide a full explanation of the investigation and actions taken within the statutory time frame. 
Correct any inaccuracies, including notifying all relevant parties of any changes made to my credit report. If the information can not be verified, I request that the account be deleted from my credit report entirely. 
Failure to comply with these requests may result in me taking further legal action, including pursuing claims for civil damages as outlined under the provisions of Civil Code Section 16810.

I have attached any relevant supporting documentation to assist in your investigation, including [ list any documentation, such as bank statements, receipts, or correspondence with the creditor ]. 

Please acknowledge receipt of this letter and confirm your intention to investigate and resolve this matter. 

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