Consumer complaint received 2025-01-31 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 Ga XXXX XX/XX/year> Experian Dispute Department XXXX XXXX  XXXX XXXX, TX XXXX Subject : Formal Dispute Requesting Complete Removal of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that remains on my credit report, specifically related to a charge-off reported by XXXX XXXX XXXX XXXX XXXX Despite my previous efforts to address this issue, the information has not been corrected, and I believe Experian has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). My concerns align with issues highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian, which underscores systemic inaccuracies and failures in reporting and dispute resolution processes. 
Details of the Dispute XXXX. Account with Inaccurate Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Specific Issue : The account is reported as a charge ff, but I believe the information is inaccurate due to minimum payments were consistently made before the account was closed, " a payment error, '' or " failure to verify the account details properly.

2. Failure to Conduct Reasonable Investigations : Despite providing all necessary supporting documentation in prior disputes, Experian has failed to conduct a thorough or reasonable investigation into my claims. The inaccurate information remains unchanged, directly harming my creditworthiness and financial reputation. As noted in the CFPB lawsuit, systemic deficiencies in XXXX practices often result in unresolved inaccuracies, which appears to be the case here. 
XXXX. Request for Complete Removal : The inaccurate information related to the XXXX XXXX XXXX XXXX charge-off has caused significant harm to my financial reputation. Given Experians inability to verify or correct this information, I am requesting its complete removal from my credit report. This is the only acceptable resolution for this matter. 
Supporting Documentation To support my dispute, I have enclosed the following : A copy of my credit report with the XXXX XXXX XXXX XXXX account highlighted. 
Documentation proving the errors ( e.g., settlement records, payment confirmations, or correspondence with XXXX XXXX ). 
Proof of minimum payments made prior to the accounts closure, if applicable. 
Any prior correspondence I have had with Experian regarding this issue. 
Legal Basis for Dispute As Experian is well aware, the FCRA mandates that credit reporting agencies : Ensure that all information reported is accurate and verifiable.

Conduct a reasonable investigation upon receiving a consumer dispute.

Correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute. 
Given the CFPBs findings of systemic failures in XXXX dispute resolution process, I am deeply concerned that my rights under the FCRA have been neglected. If Experian can not verify the accuracy of the XXXX XXXX XXXX XXXX charge-off or demonstrate that it conducted a reasonable investigation, the information must be removed entirely from my credit report.

Requested Resolution I request that you : 1. Conduct a thorough and expedited investigation into this dispute.

2. Provide me with written confirmation of the investigations outcome.

3. Remove the inaccurate information related to the XXXX XXXX XXXX XXXX account from my credit report in its entirety. 
XXXX. Provide me with an updated credit report reflecting these corrections. 
Failure to address this matter adequately will leave me no choice but to escalate my complaint further, including filing a formal complaint with the CFPB or pursuing legal remedies. 
Thank you for your immediate attention to this matter. I look forward to your prompt response within the XXXX timeframe required by law. Please direct all correspondence regarding this dispute to my address listed above. 
Sincerely, XXXX XXXX XXXX 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