Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to dispute several accounts currently listed on my Experian credit report, which I reviewed on XX/XX/year>. These entries appear to violate my federally protected rights to privacy and accuracy under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

The accounts listed below include information that is inaccurate, incomplete, or unverifiable : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S.C. 1681e ( b ), consumer reporting agencies must use reasonable procedures to assure maximum possible accuracy when preparing consumer reports. It is evident that this standard was not upheld in these cases.

Furthermore, under 15 U.S.C. 1681i ( 5 ), if a reinvestigation finds any information to be inaccurate, incomplete, or unverifiable, the consumer reporting agency is required to : ( i ) promptly delete or appropriately modify that information, and ( ii ) promptly notify the furnisher of such deletion or modification.

Additionally, under 15 U.S.C. 1681s-2, furnishers are prohibited from providing any consumer information to a credit bureau if they know, or have reasonable cause to believe, that the information is inaccurate.

Based on this, I am formally requesting the following : 1. A full reinvestigation of all the accounts listed above.

2. Immediate deletion or correction of any information that is inaccurate, incomplete, or unverifiable. 
XXXX. Written confirmation of all actions taken as a result of this dispute, including updated copies of my Experian credit report. 

Please note that you are required by federal law to complete this reinvestigation within 30 days of receiving this notice. 

Thank you for your prompt attention to this matter. I trust you will comply with your legal obligations under the FCRA.

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