Consumer complaint received 2025-11-11 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : * * Formal FCRA Dispute and Request for Deletion XXXX XXXX Dear Credit Reporting Department, I am submitting this letter as a * * formal dispute under the Fair Credit Reporting Act ( FCRA ) * * regarding the reporting of the following accounts on my credit report. Each account contains * * inaccurate, incomplete, or unverifiable information * * that does not comply with FCRA standards. I request a * * full reinvestigation * * and * * deletion or correction * * of all inaccurate items.

-- - # # # * * FCRA Legal Grounds for Deletion / Correction * * 1. * * 602 ( a ) * * Consumers are entitled to fair and accurate reporting ; reporting negative information on accounts that are paid or closed violates this standard.

2. * * 607 ( b ) * * Credit bureaus must follow reasonable procedures to ensure * maximum possible accuracy *. Contradictory reporting fails this requirement.

3. * * 611 ( a ) * * Consumers may dispute incomplete or inaccurate information ; bureaus must reinvestiate within 30 days.

4. * * 611 ( a ) ( 5 ) ( A ) * * Any information that can not be verified as accurate must be * * promptly deleted * *.

5. * * 605 ( a ) ( 5 ) * * Derogatory information may not remain once an account has been * * paid, closed, or satisfied * *.

-- - # # # * * Accounts Disputed * * | Account | Account Number | Status | Balance | Issue | Last Activity | Notes | | -- -- -- -- -- -- -- | -- -- -- -- -- -- -- | -- -- -- -- -- -- - | -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | | 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 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  | Inaccurate negative reporting ; contradicts closed/paid status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested Actions for All Accounts * * 1. Conduct a * * full reinvestigation * * of each account with the original furnisher.

2. * * Correct or delete * * any inaccurate, unverifiable, or misleading negative entries so that all accounts reflect their * * true paid/closed status with zero balance * *.

3. Provide * * written confirmation * * of the results and a * * free updated credit report * * reflecting any deletions or corrections. 

This is a * * lawful FCRA dispute * * seeking * * verification, accuracy, and deletion of unverifiable derogatory reporting * *. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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