Consumer complaint received 2025-01-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX [ Date ] Experian, XXXX, and XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, My name is XXXX XXXX, and I am writing to dispute inaccuracies on my credit report. Upon reviewing my file, I noticed several errors related to accounts that require immediate correction. These inaccuracies are negatively affecting my credit profile, and I am requesting a formal investigation under the Fair Credit Reporting Act ( FCRA ).

I have previously filed disputes regarding inaccuracies on my credit report. While one account was successfully removed, the remaining accounts remain unresolved. In addition, debt collectors have continued to contact me regarding debts I believe are inaccurate and do not belong to me. 

The accounts I am disputing are as follows : XXXX. XXXX XXXX ( Account XXXX XXXXXXXX ) The reported balance of {$230.00} is inaccurate and does not belong to me. 
XXXX. XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) The reported balance of {$8400.00} is incorrect, and I dispute ownership of this account. 
XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) The balance of {$910.00} is inaccurate, and this account is not valid. 
XXXX XXXX ( Account XXXX XXXXXXXX ) The reported balance of {$1100.00} is incorrect, and I dispute this entry. 
XXXX XXXX XXXX XXXX XXXX ( Account XXXX XXXX ) This account is closed, yet it is reporting a balance of {$270.00}. Please investigate and remove any inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This closed account is still reporting a balance of {$690.00}. This information is inaccurate and needs to be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) The reported balance of {$19.00} is incorrect and requires review. 
XXXX. XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) This account is listed as an auto loan with a balance of {$9500.00}. However, this loan is false. The institution lied at the point of sale, providing misleading information and presenting documents I did not see at the time of signing. These documents include clauses that were never disclosed to me. This account has been disputed more than three times without resolution. I expect the immediate removal of this loan from my credit report, as it has been fraudulently reported. 

I have attached the following documents to support my dispute : A copy of my credit report with the disputed accounts highlighted. 
Documentation proving that the above-listed accounts do not belong to me or contain inaccuracies. 
A copy of my government-issued ID and proof of address for verification. 

I request that you investigate these accounts, correct any errors, and provide me with a written response and updated credit report reflecting the corrections. Please complete this investigation within the 30-day period allowed under the FCRA.

Should you need any further information or documentation to resolve this matter, do not hesitate to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, 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