Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Formal Dispute and Request for Deletion of Inaccurate Accounts & Personal Information Due to Ineffective Investigation Violation of XXXX XXXX Code XXXX To Whom It May Concern, I am filing a formal dispute against Experian for failing to conduct a thorough and effective investigation regarding the negative accounts and personal information on my credit report. Under XXXX XXXX XXXX XXXX, consumer reporting agencies must ensure that all reported data is accurate, complete, and verifiable. Since Experian has failed to comply, I am requesting the immediate removal of : XXXX. All disputed accounts listed below due to an ineffective investigation. 
XXXX. All previous addresses except my current address : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Disputed Accounts That Must Be Removed : XXXX. XXXX XXXX Account XXXX : XXXX Issue : Charged-off account ( {$72.00} written off, {$72.00} past due ) remains despite unverified debt. 
XXXX. XXXX XXXX XXXX XXXX ( Loan ) Account # : XXXX Issue : Late payments inaccurately reported, failed Experian XXXX. 
XXXX. XXXX XXXX BANK SS ( Secured LOC ) Account # : XXXX Issue : Incorrect reporting of late payments affecting credit score. 
XXXX. XXXX XXXX Account # : XXXX Issue : Late payment reporting beyond the allowable timeframe under FCRA. 
XXXX. XXXX XXXX XXXX  Account # : XXXX Issue : Charged-off account ( {$2000.00} written off, {$2000.00} past due ), unfair reporting practices. 
XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Issue : Late payment history errors, account should not reflect delinquency. 
XXXX. XXXX XXXX Account # : XXXX Issue : Inaccurate reporting of late payments affecting creditworthiness. 
XXXX. XXXX XXXX XXXXI XXXX XXXX ( Child Support ) Account # : XXXX Issue : Collection account ( {$13000.00} past due ), Experian failed to verify legitimacy. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Child Support ) Account # : XXXX Issue : Collection account ( {$21000.00} past due ), litigation pending, yet still reported negatively. 
XXXX. XXXX XXXX Account # : XXXX Issue : Collection account ( {$460.00} past due ), billing dispute unresolved by Experian. 

Collection Accounts That Must Be Deleted : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Issue : Unverified debt collection for {$890.00}, Experian failed to verify accuracy. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # : XXXX Issue : Unverified collection account for {$72.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Issue : Disputed balance of {$260.00}, Experian failed to validate debt. 

Request to Remove Outdated or Incorrect Personal Information Experian has incorrectly reported multiple previous addresses that no longer apply to me. These outdated addresses must be removed immediately as they are irrelevant to my credit report. 

Please remove all previous addresses except : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX All other addresses on my credit report are outdated, inaccurate, or irrelevant to my current financial situation and should no longer be associated with my file. 

Experians Failure to Conduct an Effective Investigation Under XXXX XXXX Code XXXX and XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) : Experian must verify the legitimacy of reported accounts and personal information. 
Unverified or disputed debts must be deleted immediately. 
Experian failed to investigate these accounts and personal details properly, violating federal law. 

Since Experian has not provided adequate verification or corrections, I demand that these accounts and outdated addresses be permanently deleted from my credit report. 

Requested Actions : XXXX. Immediately delete all disputed accounts from my credit report. 
XXXX. Remove all outdated addresses except my current address ( XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ). 
XXXX. Provide documentation proving that the disputed accounts were lawfully reported, or confirm their deletion. 
XXXX. Confirm in writing within XXXX  days that these deletions have been made, as required by the FCRA. 

Failure to comply will result in : Filing a formal complaint with the Federal Trade Commission ( FTC ) and pursuing legal action for damages under the FCRA. 
Seeking compensation for financial harm caused by Experians failure to correct these errors. 

Supporting Documents Enclosed : Copy of Experian Credit Report ( highlighting disputed accounts and outdated addresses ) Copy of Drivers License/State ID ( proof of identity ) I expect a formal response within XXXX  days, as required by the FCRA. If these errors are not resolved, I will escalate this matter further. 

Thank you for your prompt attention to this dispute. Please contact me at the information above if you need further clarification. 

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