Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Subject : Formal Dispute & Demand for Immediate Removal of Inaccurate Information To Whom It May Concern, I am writing to formally dispute the inaccurate and unverifiable accounts appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that all reported information is accurate, complete, and verifiable. The continued reporting of these accounts has resulted in significant financial harm, including denial of credit cards, auto loans, and unfairly high interest rates, all due to your failure to maintain compliance with federal law. 

Accounts in Dispute XXXX  XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX Dept of educationXXXX XXXX {$6300.00} XXXX XXXX {$3500.00} XXXX {$2700.00} {$4700.00} {$3400.00} XXXX {$4700.00} XXXX XXXX XXXX  as XXXX All accounts that have been charged off and/or are in collections/ student loans Violations of the Fair Credit Reporting Act ( FCRA 1. Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) You are required to follow reasonable procedures to assure maximum possible accuracy. Given the recent lawsuit against Experian and Equifax for similar violations, your continued negligence in my case is unacceptable.2. Failure to Properly Reinvestigate Disputed Information ( 15 U.S.C. 1681i ) If you have previously investigated these disputes and continue reporting inaccurate data, this constitutes a willful violation of the FCRA, which entitles me to damages under 15 U.S.C. 1681n.3. Reporting Information You Know to Be Inaccurate ( 15 U.S.C. 1681s-2 ( b ) ) Furnishers must investigate disputes thoroughly. If the accounts in question can not be verified within the allotted time, they must be permanently deleted.4. Willful Noncompliance Resulting in Financial Harm ( 15 U.S.C. 1681n ) Because of your failure to comply with the FCRA, I have suffered financial damages, including credit denials and increased costs due to higher interest rates.

Demand for Immediate Resolution I am demanding that you permanently delete the disputed accounts from my credit file within five ( 5 ) business days of receiving this letter. Failure to comply will leave me no choice but to escalate this matter by seeking legal counsel and pursuing damages for willful noncompliance. 

Please provide me with a written response confirming the deletion of these accounts or a detailed explanation with supporting documentation proving their accuracy. If you fail to respond in a timely manner, I will proceed with legal action under the FCRA. 

This letter serves as my formal notice under federal law. I expect prompt action to correct these violations immediately. 

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