Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I sent this letter via XXXX Mail to Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute and Request for Verification and Documentation of Credit Report Entry XXXX XXXX XXXX Dear Experian, I am disputing the accuracy of the following account information currently being reported on my Experian credit report : XXXX XXXXXXXX XXXX XXXX account # XXXX, which shows a status of " Paid in settlement. {$290.00} written off '' and multiple late payments, including 150 days past due. I believe this is being reported incorrectly. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am formally requesting that Experian verify this account information with XXXX XXXX and provide me with copies of the following documentation as part of the verification process : The original contract or agreement that governs the account. 
A complete, detailed payment history substantiating the alleged late payments and the basis for the charge-off. 
An itemized breakdown and accounting of the {$290.00} charge-off amount. 
All correspondence and documentation related to the settlement of the account. 
Proof that XXXX XXXX has properly validated the debt in accordance with the FCRA. 
Please provide me with copies of all documentation obtained from XXXX XXXX as part of the verification process. If XXXX XXXX fails to furnish this documentation or if the provided evidence does not fully verify the disputed information, I demand that Experian immediately delete this negative item from my credit report, as mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX Experian responded via email with this : XXXX XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 

Connect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every 30 days upon log in. No credit card required. Start Here! 

I called them, they verified my identity over the phone, and said they " could not '' respond to the letter.

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