Consumer complaint received 2025-01-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute Letter Pursuant to 15 U.S. Code 1681o ( Fair Credit Reporting Act ) Dear XXXX, I am writing to formally dispute the inaccurate information and negligence regarding my consumer report under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 1681o. As outlined in the FCRA, entities have a duty to ensure the accuracy and integrity of consumer information, and the failure to comply constitutes negligence. 

The inaccuracies in my report have caused harm and inconvenience, and I believe this negligence warrants immediate rectification. Below are the details of my complaint : Disputed Information Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Social Security Ending : XXXX Date of Birth : XX/XX/XXXX Description of Inaccuracy : [ Provide specific details about the inaccurate information in your report, such as incorrect accounts, duplicate entries, outdated information, etc. ] Negligence and Harm The inaccuracies in my consumer report were due to a failure to exercise reasonable care, as required under the FCRA. This has resulted in [ specific harm, such as denied credit, higher interest rates, reputational damage, or emotional distress ]. 
Request for Resolution Pursuant to 15 U.S. Code 1681o, I am requesting the following : A full investigation into the inaccurate information in my report.

Immediate correction or removal of the inaccurate information.

Documentation of the steps taken to investigate and resolve the dispute. 
Compensation for any damages caused by your negligence. 

Please consider this letter as my formal dispute and demand for compliance under the FCRA. I expect a prompt response to this matter within the legally mandated timeframe of 30 days from the receipt of this correspondence. 

If I do not receive a satisfactory resolution, I am prepared to pursue legal action to enforce my rights under the FCRA. 

Thank you for your immediate attention to this matter. You may contact me directly at [ your phone number ] or [ your email address ] if additional information is required. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, if sending a physical copy ] This letter is now tailored for XXXX and includes todays date. If you need further refinements or additional details, let me know! 
You said : write me one for experian XXXX said : XXXX XXXX a revised dispute letter addressed to Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute Letter Pursuant to 15 U.S. Code 1681o ( Fair Credit Reporting Act ) Dear Experian, I am writing to formally dispute the inaccurate information and negligence regarding my consumer report under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 1681o. As outlined in the FCRA, entities have a duty to ensure the accuracy and integrity of consumer information, and the failure to comply constitutes negligence. 

The inaccuracies in my report have caused harm and inconvenience, and I believe this negligence warrants immediate rectification. Below are the details of my complaint : Disputed Information Name : XXXX XXXX XXXX Address : XXXX XXXXr XXXX XXXX, XXXX, XXXX XXXX Social Security Ending : XXXX Date of Birth : XX/XX/XXXX Description of Inaccuracy : [ Provide specific details about the inaccurate information in your report, such as incorrect accounts, duplicate entries, outdated information, etc. ] Negligence and Harm The inaccuracies in my consumer report were due to a failure to exercise reasonable care, as required under the FCRA. This has resulted in [ specific harm, such as denied credit, higher interest rates, reputational damage, or emotional distress ].

Request for Resolution Pursuant to 15 U.S. Code 1681o, I am requesting the following : A full investigation into the inaccurate information in my report.

Immediate correction or removal of the inaccurate information.

Documentation of the steps taken to investigate and resolve the dispute. 
Compensation for any damages caused by your negligence. 

Please consider this letter as my formal dispute and demand for compliance under the FCRA. I expect a prompt response to this matter within the legally mandated timeframe of 30 days from the receipt of this correspondence. 

If I do not receive a satisfactory resolution, I am prepared to pursue legal action to enforce my rights under the FCRA. 

Thank you for your immediate attention to this matter. You may contact me directly at XXXX or XXXX if additional information is required. 

Sincerely, XXXX 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