Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX wy XXXX phone : XXXX XXXX XXXX email : XXXX Date : XX/XX/year> To the Consumer Financial Protection Bureau ( CFPB ) : I am writing to file a complaint regarding negative item ( s ) appearing on my credit report ( s ) and the handling of my dispute ( s ) by Equifax, Experian , TransUnion, Background : On XX/XX/year> and XX/XX/year>, I submitted a formal dispute to transunion equifax and experian regarding the following negative item ( s ) on my credit report ( s ) : Creditors : XXXX acount # XXXX XXXX XXXX acount # XXXX XXXXXXXX XXXX acount # XXXXx XXXX XXXX acount # XXXXXXXX XXXX XXXX acount # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX credit coll ; acount # XXXX Reason for Dispute : These account are not mine, The dates are incorrect, I paid these accounts off, I never had an agreement with this company, These accounts are reporting incorrectly after a settlement agreement. ] they all have been deleted from 1 bureu and not the othe r2 because they are not doing a proper investigation.

I sent my dispute via certified mail with return receipt requested on XX/XX/year> and XX/XX/year> and they deleted on1 bureaus and not the other 2 on all accounts listed.please delete from all3 bureaus.i am requesting {$2000.00} from each account from each bureaus as damages mailed to addres listed and made out to XXXX XXXX means.the inacurate accounts that are violating my federally protected rights are stopping me from obtaining a new home and car.i calculayed a total of {$16000.00} from each of the XXXX buruea as damages totalling in {$48000.00} total in damages Issue ( s ) Encountered : Despite submitting my dispute ( s ), I have experienced the following issue ( s ) : The credit reporting agency failed to conduct a reasonable investigation. They simply verified the information with the furnisher without providing evidence or addressing my specific claims. ] The credit reporting agencies failed to provide me with the results of their investigation within the legally required timeframe The credit reporting agency continues to report inaccurate information after my dispute was supposedly resolved. [ Explain what inaccuracies remain and provide dates of resolution. I received a response from equifax transunion and experian stating my dispute was verified, but they provided no documentation to support this verification, and the information I disputed remains inaccurate.

I am requesting the CFPB to investigate the practices of transunion experian equifax regarding the handling of my credit report dispute ( s ). I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ). I request that the inaccurate negative item ( s ) be thoroughly investigated and ultimately deleted from my credit report ( s ).

Enclosed Documents proof of idenity and address Thank you for your time and attention to this important matter. I look forward to your assistance in resolving this issue. 

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