Consumer complaint received 2025-01-18 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: CA

Complaint narrative:
Details of the Complaint : I am filing this complaint because Exprian have failed to address repeated disputes regarding inaccurate information on my credit report. I have been trying to resolve these issues for over three months with no adequate response or resolution. This failure to comply with the Fair Credit Reporting Act ( FCRA ) is harming my creditworthiness and causing significant stress. 
Below are the details of the disputed accounts and the associated inaccuracies : XXXX XXXX  ( Account # XXXX ) Issue : A late payment for XX/XX/year> is being inaccurately reported by Exprian. This information is incorrect, as I have maintained a positive payment history. 
Requested Resolution : Update the account to reflect a positive payment history immediately. 
FCRA Violations : 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation within 30 days.

611 ( a ) ( 5 ) ( A ) : Failure to correct inaccurate information. 

. XXXX XXXX ( Account # XXXX ) Issue : This account is inaccurately reported on my credit report by Exprian Despite disputes, the information remains unverifiable and inaccurate. 
Requested Resolution : Remove and delete this account immediately. 
FCRA Violations : 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation within 30 days.

611 ( a ) ( 5 ) ( A ) : Failure to remove unverifiable information. 

. XXXX XXXX ( Account # XXXX ) Issue : This account is inaccurately reported on my credit report by [ Credit Bureau Names ]. Despite disputes, it has not been corrected or removed. 
Requested Resolution : Remove and delete this account immediately. 
FCRA Violations : 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation within 30 days.

611 ( a ) ( 5 ) ( A ) : Failure to remove unverifiable information. 

. XXXX  XXXX XXXX ( Account # XXXX ) Issue : This account is inaccurately reported on my credit report by Exprian. The reporting contains multiple inaccuracies, and no action has been taken despite disputes. 
Requested Resolution : Remove and delete this account immediately. 
FCRA Violations : 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation within 30 days.

611 ( a ) ( 5 ) ( A ) : Failure to remove unverifiable information. 

. XXXX ( Account # XXXX ) Issue : A late payment for XX/XX/year> is inaccurately reported on my credit report by Exprian. This information is incorrect and should be updated to reflect a positive payment history. 
Requested Resolution : Correct the account to reflect accurate payment history. 
FCRA Violations : 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation within 30 days.

611 ( a ) ( 5 ) ( A ) : Failure to correct inaccurate information. 

. XXXX XXXX ( Account # XXXX ) Issue : This account is inaccurately reported on my credit report by Experian. Despite my disputes, the information remains unverifiable and inaccurate. 
Requested Resolution : Remove and delete this account immediately. 
FCRA Violations : 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation within 30 days.

611 ( a ) ( 5 ) ( A ) : Failure to remove unverifiable information.

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