Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report, which I have previously attempted to resolve through your dispute process without success. These unresolved inaccuracies continue to harm my financial well-being and creditworthiness. I am deeply concerned that these issues align with the systemic problems highlighted in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian regarding its credit reporting practices. 

The specific accounts and inaccuracies I am disputing are as follows : XXXX. XXXX XXXX XXXX XXXX  XXXX -- incorrect balance, payment history, and status. 

XXXX. XXXX XXXX / XXXX &. XXXX - - incorrect balance, payment history, and status. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX & XXXX -- -incorrect balance, payment history, and status XXXX. XXXX XXXX XXXX XXXX. & XXXX -- -incorrect balance, payment history, and status XXXX. XXXX \ XXXX. & XXXX -- - accounts are charged off, incorrect balance, and payment history XXXX XXXX XXXX XXXX -- - account is paid off and still on my record XXXX. XXXX XXXX \ XXXX. &. XXXX -- -incorrect balance, payment history, and status XXXX. XXXX XXXX. \ XXXX -- account is paid off an still on my record XXXX. XXXX XXXX XXXX -- -account paid in settlement and still on my report negatively Everything on my credit report is inaccurate, paid-off closed accounts are still on my record. I have attached my report to the files. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation of disputes and correct or delete any information that can not be verified as accurate. To support my dispute, I have enclosed the following documentation : - proof of payment, correspondence with creditors, credit report. ] Additionally, I request that you provide me with the following : 1. A detailed description of the steps taken during your investigation.

2. The names and contact information of any entities that verified the disputed information.

3. Copies of any documentation relied upon in verifying the information. 

I expect these inaccuracies to be corrected or removed promptly in accordance with the FCRA. If you fail to comply, I am prepared to escalate this matter, including filing a complaint with the CFPB or pursuing legal action, as permitted by law. 

Please confirm receipt of this dispute letter and provide a resolution in writing within 30 days of receiving this correspondence. 

Thank you for your prompt attention to this matter. Should you require additional information, feel free to contact me at the information listed above. 

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