Consumer complaint received 2024-10-21 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: TX

Complaint narrative:
I have been disputing numerous account with XXXX, Experian, And XXXX for well over a year on inaccurate reporting accounts on my credit report. I have also disputed directly with the companies and haven't received any responses. I'll attach my most recent dispute below. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following inaccurate item ( s ) : 1. Im challenging the accuracy and completeness of the reporting of this account XXXX XXXX  XXXX XXXX : XXXX. Looking at the information being reported and it is not the same on all of my credit reports. The term " accuracy '' means free of error and this account has many errors. I'm requesting immediate deletion of this account. 

XXXX. This account is being reported inaccurately XXXX XXXX XXXX : XXXX. This account was also reported closed in XXXX but still reporting late payment activity after its closed. It is clear that none of the dates are the same in the different data fields. " Accuracy '' means free of error and I want this account deleted right away XXXX. This account XXXX XXXX XXXX : XXXX was reported closed in XX/XX/XXXX. Why is there payment activity being reported after the account was closed. That's clearly inaccurate. This account needs to be deleted right away. 

XXXX. The following XXXX inquiries were not authorized XXXX XXXXDate of inquiry : XX/XX/XXXX, XXXX XXXX-Date of inquiry : XX/XX/XXXX. Please remove this inaccurate information from my credit report. 

According to the provisions of the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and subsequently removed from my credit report. I understand that it is your responsibility to verify these items with the relevant creditor. Any information that the creditor fails to verify must be removed. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please provide me with an updated copy of my credit report at the aforementioned address. Under the act, there should be no cost associated with obtaining this updated report. Additionally, I kindly request that you send correction notices to any party that has received my credit report within the past XXXX months. 

Thank you for your attention and assistance in addressing this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following inaccurate item ( s ) : 1. Im challenging the accuracy and completeness of the reporting of this account XXXX XXXX  XXXX XXXX : XXXX. Looking at the information being reported and it is not the same on all of my credit reports. The term " accuracy '' means free of error and this account has many errors. I'm requesting immediate deletion of this account. 

XXXX. This account is being reported inaccurately XXXX XXXX XXXX : XXXX. This account was also reported closed in XXXX but still reporting late payment activity after its closed. It is clear that none of the dates are the same in the different data fields. " Accuracy '' means free of error and I want this account deleted right away XXXX. This account XXXX XXXX XXXX : XXXX was reported closed in XX/XX/XXXX. Why is there payment activity being reported after the account was closed. That's clearly inaccurate. This account needs to be deleted right away. 

XXXX. Looking at the account XXXX XXXX XXXX XXXX : XXXX and the information that being reported to each credit bureau is different on one account. Im challenging the accuracy of the reporting of this account. Im requesting a deletion of this inaccurate account. 


According to the provisions of the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and subsequently removed from my credit report. I understand that it is your responsibility to verify these items with the relevant creditor. Any information that the creditor fails to verify must be removed. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Please provide me with an updated copy of my credit report at the aforementioned address. Under the act, there should be no cost associated with obtaining this updated report. Additionally, I kindly request that you send correction notices to any party that has received my credit report within the past XXXX months. 

Thank you for your attention and assistance in addressing this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following inaccurate item ( s ) : 1. Im challenging the accuracy and completeness of the reporting of this account XXXX XXXX  XXXX XXXX : XXXX. Looking at the information being reported and it is not the same on all of my credit reports. The term " accuracy '' means free of error and this account has many errors. I'm requesting immediate deletion of this account. 

XXXX. This account is being reported inaccurately XXXX XXXX XXXX : XXXX. This account was also reported closed in XXXX but still reporting late payment activity after its closed. It is clear that none of the dates are the same in the different data fields. " Accuracy '' means free of error and I want this account deleted right away XXXX. This account XXXX XXXX XXXX : XXXX was reported closed in XX/XX/XXXX. Why is there payment activity being reported after the account was closed. That's clearly inaccurate. This account needs to be deleted right away. 

XXXX. Looking at the account XXXX XXXX XXXX XXXX : XXXX and the information that being reported to each credit bureau is different on one account. Im challenging the accuracy of the reporting of this account. Im requesting a deletion of this inaccurate account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XXXX remove this inaccurate information from my credit report. 


According to the provisions of the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and subsequently removed from my credit report. I understand that it is your responsibility to verify these items with the relevant creditor. Any information that the creditor fails to verify must be removed. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Please provide me with an updated copy of my credit report at the aforementioned address. Under the act, there should be no cost associated with obtaining this updated report. Additionally, I kindly request that you send correction notices to any party that has received my credit report within the past XXXX months. 

Thank you for your attention and assistance in addressing 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