Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I am writing to dispute the reporting of several accounts on my credit report. Despite previous disputes, XXXX, EXPERIAN, XXXX failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received any detailed disclosures about the reinvestigation process or outcomes. These deficiencies constitute violations of federal law, and I demand immediate resolution. 

Disputed Accounts Accounts Reported by Experian XXXX XXXX XXXX  XXXX Account Ending in : Balance : {$1200.00} Issue : Inaccurate payment history and credit usage, unresolved despite prior disputes. XXXX  Account Ending in : Balance : {$250.00} Issue : Incorrect reporting of late payments for XX/XX/year>. 
XXXX XXXX  XXXX Account Ending in : Balance : {$330.00} Issue : Overreported credit usage at 110 %, without proper investigation. 
XXXX XXXX XXXX ( XXXX ) XXXX : {$110.00} Issue : XXXX account inaccurately reported, with no adequate reinvestigation. 
Accounts Reported by XXXX XXXX XXXX XXXX  XXXX Account Ending in : Balance : {$1200.00} Issue : Payment inaccuracies unresolved despite disputes. 
XXXX  Account Ending in : Balance : {$250.00} Issue : Reported late payment details are inaccurate and unverified. 
XXXX XXXX  Account Ending in : Balance : {$2600.00} Issue : Incorrect " 30 Days Past Due '' reporting, unresolved after disputes. 
XXXX XXXX : {$110.00} Issue : Collection account errors with no proper resolution. 
XXXX XXXX  Account Ending in : Balance : {$29000.00} Issue : Incorrectly marked as " Charged Off as Bad Debt, '' with inaccurate payment and status history. 
FCRA Violations The following provisions of the FCRA were violated : 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation within 30 days of receiving my disputes.

15 U.S.C. 1681e ( b ) : Failure to maintain procedures to ensure maximum possible accuracy in consumer reports.

15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide proper disclosures regarding the reinvestigation results. 
Requested Actions Reinvestigate all listed accounts and provide a detailed summary of the findings. 
Remove or correct any inaccurate or unverifiable information from my credit report. 
Provide written confirmation of changes made to my credit report within 30 days. 
Enclosures Highlighted copies of my credit reports from Experian and XXXX showing the disputed accounts. 
Supporting documentation, including prior dispute letters and evidence of inaccuracies. 
If this matter is not resolved within the required timeframe, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies under the FCRA. 

Thank you for your immediate attention to 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