Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : [ Experian / TransUnion / Equifax Insert correct bureau address ] Subject : Formal Dispute Request for Deletion and Correction under FCRA & Metro 2 Guidelines Dear [ Experian / TransUnion / Equifax ], I am writing to formally dispute several items on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, and request immediate investigation and removal/correction of the following accounts and inquiries. 
XXXX. XXXX. Late Payment Disputes XXXX XXXX Violations The following accounts contain reported late payments that are inconsistent, incomplete, and violate XXXX XXXX data reporting standards, which require accurate, complete, and verifiable reporting : - Freedom Mortgage ( Account ending in XXXX ) Reported late XXXX. I request these late payments be removed immediately due to inconsistencies in reporting timelines and lack of verifiable records. 
- XXXX XXXX XXXX ( Account ending in XXXX ) Multiple lates between XXXX. I dispute the accuracy and request verification or immediate deletion. 
- XXXX XXXX XXXX ( Account ending in XXXX ) Please remove the entire account due to continued inaccuracies and failure to comply with XXXX XXXX standards, especially in the historical payment grid and closure reporting. 
These accounts have not provided full verification or documentation under FCRA XXXX ( a ) ( XXXX ) ( A ). If you can not provide documented proof from the original furnisher validating each late mark, I request full deletion from my report under XXXX. 
XXXX. XXXX. Hard Inquiry Removal Request Unverified & Unauthorized The following inquiries were made without proper authorization, or no permissible purpose was provided under FCRA XXXX : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) These inquiries were not authorized by me and I was not provided any services or approvals related to these pulls. Please remove them immediately. 
3. 3. Legal Notice Failure to comply with this request may result in legal action. As you are aware, under 15 U.S. Code 1681n and 1681o, failure to investigate and correct inaccurate or unverifiable information can result in statutory damages, court costs, and attorney fees.

I request a full investigation into these matters and a written response within 30 days as required by FCRA 611. 
Sincerely, XXXX 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