Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute and request immediate investigation into the following account reporting inaccurately on my EXPERIAN credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : XXXX XXXX Account No. XXXX ( Date Opened : XX/XX/XXXX ). My purpose in submitting this notice is to ensure the information you maintain is not inaccurate, outdated, suppressed, or improperly reported. 

The basis for this dispute is that the account listed above was fully paid and settled in XX/XX/XXXX, has never been late, and should not be reporting in any negative or erroneous manner. I am including this account in this notice specifically to confirm whether it exists within any version of my EXPERIAN file and, if so, to require that you verify its accuracy or remove it entirely. You are obligated to ensure that all information reported is complete, factual, and not misleading in accordance with federal consumer protection standards.

Under FCRA 611 ( a ) ( 1 ) ( A ), EXPERIAN must complete a reasonable investigation of my dispute within 30 calendar days. You are also required under FCRA 607 ( b ) to maintain reasonable procedures to assure maximum possible accuracy. I am requesting a detailed response outlining the results of your investigation, including the name and contact information of each furnisher of information, the method of verification applied, and copies of any documentation used to support continued reporting. 

If the information about this account can not be verified, or if any component of the reporting fails to meet the accuracy standards required by federal law, EXPERIAN must delete the information from my credit file as required under 15 U.S.C. 1681e ( b ) and 1681i ( a ). Knowingly or negligently reporting unverifiable or inaccurate information may also constitute violations of 15 U.S.C. 1681n and 1681o, governing willful and negligent noncompliance with the FCRA.

In addition to the FCRA requirements, failure to maintain accurate records, failure to conduct a lawful reinvestigation, or failure to remove unverifiable information may constitute violations of other U.S. federal consumer protection laws, including prohibitions against unfair or deceptive practices. These actions may also violate New Jersey state laws, specifically the New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ), which prohibits fraudulent, deceptive, or unconscionable business practices, including the maintenance or communication of inaccurate credit information.

I request written confirmation once your investigation is complete, including documentation of your findings and any changes made to my credit file. I expect EXPERIAN to comply fully with all applicable federal and New Jersey state laws governing accuracy, fairness, and consumer protection. Thank you for your prompt attention to this matter.

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