Consumer complaint received 2025-04-02 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 am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX XXXX - XXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

XXXX - XXXX - In accordance with the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

XXXX XXXX - XX/XX/XXXX - Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/XXXX - Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX XXXX XXXXXX/XX/XXXX - Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/XXXX - Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.

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