Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PR XXXX Phone : XXXX Email : XXXX Date : XXXX, XXXX, XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX Request to Dispute Negative Information on My Credit Report Under Consumer Law, 15 USC 1681 ( 0 ).

Dear Sir/Madam, I am writing to formally dispute the negative information contained in my credit report. I have reviewed my credit reports issued by the major credit bureaus ( Equifax, Experian, and TransUnion ) and have identified information that I believe is inaccurate, outdated, and harmful to my credit score. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( o ), which establishes civil liability for negligent noncompliance with credit reporting rules, I am requesting that the negative accounts be removed from my credit report. 
Identification Information : Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX The accounts I am referring to, which should be removed, include but are not limited to those marked as " charge-off '', " unpaid '', or any other label indicating negative information. These accounts have been previously disputed with the credit bureaus, and under the law, the negative information must be corrected or removed if it is not accurate or no longer reflects my current financial situation. In accordance with the FCRA and the rules established by the CFPB, I request that : 1. All negative accounts on my credit report that are not accurate or do not reflect the current status of the debts be removed.

2. Any errors related to my personal information, such as my name, address, Social Security number, and date of birth, be corrected if they are incorrect on my report.

3. A proper investigation be conducted into each account, and if the accuracy of the information can not be verified, it should be removed from my credit report. 
I am attaching supporting documents, including a copy of my credit report, payment receipts, previous dispute records, and a copy of my personal identification as evidence to support my request. 
In compliance with my rights under the FCRA and consumer law, I request that this dispute be processed and resolved promptly. I would appreciate the necessary steps being taken to correct my credit report and that I be informed of the outcome of the investigation. 
I look forward to receiving confirmation of the resolution of this matter as soon as possible, either by email or postal mail. If additional information or documents are required, please feel free to contact me. 

Thank you for your attention and timely resolution of this matter. 
Sincerely, XXXX 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