Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account info Account name XXXX  XXXX XXXX Also known as XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$2200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX XXXX XXXX XXXX  doesn't exist anymore I have tried many time to dispute this with no help with the investigation. 

Consumer Financial Protection Bureau Experian Information Solutions , Inc . 
XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute Regarding CFPB Complaint XXXX  XXXX XXXX, # XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute the allegations made against Experian Information Solutions , Inc. in the complaint filed by the Consumer Financial Protection Bureau ( CFPB ) regarding the handling of consumer disputes related to the accuracy of credit reports. 

As a consumer, I value the integrity and accuracy of my credit report and have always made it a priority to ensure that my credit information is correct. I understand that the CFPB has raised concerns about Experian 's compliance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of 2010 ( CFPA ). However, I believe that these allegations do not accurately reflect the practices and procedures that Experian has in place for handling consumer disputes. 

To address this matter, I would like to request the following : 1. **Clarification of the Allegations** : Please provide detailed information regarding the specific instances or practices that led to the CFPB 's complaint against Experian. Understanding the context will help me better assess the situation.

2. **Documentation of Dispute Handling Procedures** : I would appreciate it if you could share the procedures and protocols that Experian follows when handling consumer disputes. This information will help clarify how Experian ensures compliance with the FCRA and CFPA.

3. **My Personal Dispute History** : If applicable, please provide information regarding any disputes I have filed with Experian, including the outcomes and how they were resolved. This will help me understand how my disputes have been handled in the past. 

I believe that open communication is essential in resolving this matter. I am committed to working collaboratively with Experian to ensure that consumer rights are upheld and that any inaccuracies in credit reporting are addressed promptly. 

Please respond to this letter within 30 days of receipt, as I would like to resolve this matter as quickly as possible. You may reach me at the contact information provided above. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

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