Consumer complaint received 2025-02-21 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: SC

Complaint narrative:
I would appreciate your efforts in conducting an proper reinvestigation regarding the inaccurate items reporting on my credit file. 
To provide more specific information regarding my concerns, please find below the details of the accounts in question : XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX o Nature of Dispute : under Section XXXX ( a ) ( XXXX ) and Section XXXX ( c ) of the FCRA, there are time limits for reporting charge-off and collection accounts. If these accounts are inaccurately reported or exceed the statutory time limits, they must be removed from my credit file. 
XXXX. Account Name : XXXX XXXX Account Number : XXXX o Nature of Dispute : under Section XXXX ( a ) ( XXXX ) and Section XXXX ( c ) of the FCRA, there are time limits for reporting charge-off and collection accounts. If these accounts are inaccurately reported or exceed the statutory time limits, they must be removed from my credit file. 
XXXX. Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX o Nature of Dispute : under Section XXXX ( a ) ( XXXX ) and Section XXXX ( c ) of the FCRA, there are time limits for reporting charge-off and collection accounts. If these accounts are inaccurately reported or exceed the statutory time limits, they must be removed from my credit file. 
XXXX. Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX o Nature of Dispute : under Section XXXX ( a ) ( XXXX ) and Section XXXX ( c ) of the FCRA, there are time limits for reporting charge-off and collection accounts. If these accounts are inaccurately reported or exceed the statutory time limits, they must be removed from my credit file. 
XXXX. Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX o under Section XXXX ( a ) ( XXXX ) and Section XXXX ( c ) of the FCRA, there are time limits for reporting charge-off and collection accounts. If these accounts are inaccurately reported or exceed the statutory time limits, they must be removed from my credit file. 
XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Nature of Dispute : under Section XXXX ( a ) ( XXXX ) and Section XXXX ( c ) of the FCRA, there are time limits for reporting charge-off and collection accounts. If these accounts are inaccurately reported or exceed the statutory time limits, they must be removed from my credit file. 
XXXX. Account Name : XXXX XXXX Account Number : XXXX o Nature of Dispute : under Section XXXX ( a ) ( XXXX ) and Section XXXX ( c ) of the FCRA, there are time limits for reporting charge-off and collection accounts. If these accounts are inaccurately reported or exceed the statutory time limits, they must be removed from my credit file. 
XXXX. Account Name : XXXX XXXX XXXX o Account Number : XXXX o under Section XXXX ( a ) ( XXXX ) and Section XXXX ( c ) of the FCRA, there are time limits for reporting charge-off and collection accounts. If these accounts are inaccurately reported or exceed the statutory time limits, they must be removed from my credit file. 
XXXX. Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX o Nature of Dispute : under Section XXXX ( a ) ( XXXX ) and Section XXXX ( c ) of the FCRA, there are time limits for reporting charge-off and collection accounts. If these accounts are inaccurately reported or exceed the statutory time limits, they must be removed from my credit file. 
XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX o Nature of Dispute : under Section XXXX ( a ) ( XXXX ) and Section XXXX ( c ) of the FCRA, there are time limits for reporting charge-off and collection accounts. If these accounts are inaccurately reported or exceed the statutory time limits, they must be removed from my credit file. 
XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX o Nature of Dispute : under Section XXXX ( a ) ( XXXX ) and Section XXXX ( c ) of the FCRA, there are time limits for reporting charge-off and collection accounts. If these accounts are inaccurately reported or exceed the statutory time limits, they must be removed from my credit file. 
In addition to addressing these inaccuracies, I would also like to request a copy of the XXXX form ( XXXX ) associated with any cancelled debt reported on my credit file. The XXXX form is necessary for me to accurately report the forgiven debt for tax purposes. 
Furthermore, I would like to remind XXXX of its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the information reported on my credit file. According to the FCRA, consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, the FCRA provides me with the right to dispute any inaccurate information and have it corrected or removed from my credit file. 
Regarding your investigation process, I appreciate the detailed explanation provided. It is reassuring to know that Experian, XXXX and Transunion takes the necessary steps to review and consider relevant information, including transmitting disputes to the respective furnisher for review and investigation. 
I look forward to receiving the results of the revised investigation and any necessary corrections to my credit file. If you require any further information or documentation from my end, please let me know. 
Thank you for your assistance in resolving this matter. 
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