Consumer complaint received 2025-03-03 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: NY

Complaint narrative:
I am writing to formally dispute certain inaccurate information listed on my credit report. Specifically, I have identified errors concerning closed accounts, late payments, and charged-off accounts associated with the following account numbers : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these entries violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly in relation to Sections 1681i and 1681e ( b ). Under Section 1681i of the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. This section mandates that Experian conduct a reasonable investigation of the disputed items and correct or delete any information that can not be verified as accurate within a reasonable time frame.

Furthermore, Section 1681e ( b ) of the FCRA requires that Experian ensure the information it reports is accurate, complete, and up-to-date. The inclusion of late payments on my credit report is not only inaccurate but violates these provisions, as these entries do not reflect the true nature of my current financial situation. These inaccuracies are causing significant financial hardship, as they continue to hinder my ability to obtain credit and effectively manage my financial responsibilities. The erroneous entries are preventing me from recovering financially and moving forward. 
I would also like to highlight the context behind my financial hardship. I encountered an unexpected job loss, coupled with rising living expenses, which caused a temporary decline in my income. However, these negative entries do not reflect my current financial status and are still adversely affecting my ability to rebuild and stabilize my finances. 
Additionally, I would like to address the charged-off accounts listed on my report. Under Section XXXX of the FCRA, I am requesting the immediate removal of these accounts, as they continue to negatively impact my personal and financial well-being. 
Given these circumstances, I respectfully request the removal of the aforementioned inaccurate entries, in accordance with Sections XXXX and XXXX ( b ) of the FCRA. Please provide written confirmation via email ( XXXX ) of the resolution at your earliest convenience. I ask that this issue be addressed urgently, as it is directly affecting my ability to manage my finances effectively. 
Thank you for your prompt attention to this matter. 
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