Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting and Request for Proper Reinvestigation To Whom It May Concern : This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate, incomplete, and misleading information being reported on my credit file by Experian. Additionally, I contend that Experian has failed to conduct a reasonable reinvestigation of my prior disputes in violation of the FCRA and the Consumer Financial Protection Act ( CFPA ).

Upon reviewing my current three-bureau credit report dated XX/XX/year>, I identified several materially inaccurate and derogatory accounts reported by Experian that are either ( 1 ) inaccurate, ( 2 ) not updated to reflect the true account status, or ( 3 ) remain unverified or unresponsive to supporting documentation I previously submitted. These include, but are not limited to : XXXX XXXX Account # : XXXX Reported as a charge-off with an outstanding balance, despite discrepancies across bureaus and lack of clarity in payment application. 

XXXX XXXX Account # : XXXX Continues to show as a charge-off, even though supporting documentation shows settlement discussions and/or resolution. 

XXXX Account # : XXXX Misrepresented reporting regarding account status and delinquency without acknowledgement of discharge/resolution status.

Under 15 U.S.C. 1681e ( b ), Experian is required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Furthermore, under 15 U.S.C. 1681i ( a ), Experian must conduct a reasonable reinvestigation of disputed information and notify the consumer of the results, including any corrections or deletions. Yet, Experian : Failed to convey all relevant documentation and dispute context to data furnishers, resulting in surface-level, insufficient verifications. 

Relied solely on the Automated Credit Dispute Verification ( ACDV ) system responses from furnishers, despite conflicting evidence provided and on-file with Experian.

Used vague or incorrect dispute codes, which mischaracterized the nature of my disputes and limited the likelihood of meaningful review.

Failed to provide clear, complete reinvestigation results, instead issuing generic outcome notices that did not identify what, if any, updates occurred or why.

This conduct is not only a violation of the FCRA but also constitutes an unfair and deceptive act or practice under the CFPA, 12 U.S.C. 5536. The CFPBs recent action ( XXXX XXXX. XXXX ) affirms systemic failures on Experians part to meet its statutory reinvestigation and notification obligations to consumers.

Therefore, I demand the following : A full, good faith reinvestigation of the accounts listed above, including all supporting documentation previously provided or attached herein.

Written disclosure of the outcome of each reinvestigation in compliance with 15 U.S.C. 1681i ( a ) ( 6 ), including which data was verified, corrected, or deleted.

Immediate deletion of any information that can not be verified or is found to be inaccurate or incomplete.

A copy of my updated credit file following the completion of the reinvestigation. 

If these violations are not resolved within the required timeframe ( 30 days from receipt of this letter ), I reserve the right to pursue legal remedies, including filing a complaint with the CFPB, FTC, and my state attorney general, and seeking damages under 15 U.S.C. 1681n and 1681o. 

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