Consumer complaint received 2025-01-26 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Date : XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute of Credit Report Inaccuracies Dear Experian Dispute Department, I am writing to formally dispute several inaccurate and unverifiable items on my credit report, which Experian has failed to adequately address despite my prior efforts. These unresolved items are causing significant harm to my credit standing and financial well-being. 
Under the Fair Credit Reporting Act ( FCRA ), Experian is legally obligated to conduct a reasonable reinvestigation of disputed information. However, your failure to adequately address my dispute mirrors the recent allegations in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian, which highlights systemic issues such as : Failing to forward consumer-provided evidence to furnishers. 
Accepting unreliable responses from data furnishers. 
Failing to adequately notify consumers of dispute outcomes. 
Despite the evidence I provided, Experian has neither corrected nor removed the following inaccurate accounts : Disputed Accounts XXXXXXXX XXXX XXXX Account Number : XXXX Dispute Reason : Unverifiable collection account. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dispute Reason : Inaccurate balance and unverifiable debt. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Incorrect collection information reported. 
XXXXXXXX XXXX XXXX Account Number : XXXX Dispute Reason : Unverified and inaccurate collection entry. 
XXXX XXXX  Account Number : XXXX Dispute Reason : Unverifiable collection account and incorrect balance. 
XXXX XXXX XXXXXXXX Account Number : XXXX Dispute Reason : Incorrect collection entry. 
XXXX XXXX XXXX  Account Number : XXXX Dispute Reason : Inaccurate and unverifiable collection information. 
XXXX XXXX XXXX  Account Number : XXXX Dispute Reason : Past due and inaccurate payment history. 
XXXXXXXX XXXX XXXX Account Number : XXXX Dispute Reason : Past due balance incorrectly reported. 
XXXX XXXX  XXXX Account Number : XXXX Dispute Reason : Unverified multiple late payments reported inaccurately. 
XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Charged-off account with incorrect past due amounts. 
XXXX XXXX  Account Number : XXXX Dispute Reason : Charged-off account with unverifiable balance. 
I request immediate corrective action to amend or remove these accounts. Additionally, please provide written confirmation of the steps taken to address this issue within the 30 days required by law. 
Failure to resolve these inaccuracies may result in further actions to protect my rights, including filing a formal complaint with the CFPB and seeking legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/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