Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
b"To Whom It May Concern:\nI am formally requesting a comprehensive disclosure of my entire file. It is imperative that only information\nthat is completely accurate and thorough be included. I expressly prohibit any inclusion of incorrect,\nincomplete, or deceptive data in my report.\nI am currently disputing inaccurate details within my credit reports per Compliance procedures \n(b) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow\nreasonable procedures to assure maximum possible accuracy of the information concerning the individual\nabout whom the report relates.\nI urge you to conduct a thorough investigation. Specifically, I request the removal of any false, incomplete,\noutdated, or unverifiable biographical information. This action is essential to ensure the accuracy of my\nrecords and to mitigate the risk of identity theft or erroneous file amalgamation.\nPlease ensure that only the following personal information, which is accurate, is retained in your records so\nthat I won't be a victims of Identity Thief . All other data must be promptly deleted:\nI am formally requesting a thorough investigation into the accounts that I am currently disputing. I kindly ask\nthat you send a copy of this letter to each furnisher and ensure that both you and each furnisher conduct a\ncomprehensive investigation in accordance with legal requirements.\nIt is imperative that my request not be disregarded or met with generic form letters refusing to investigate.\nRather, I urge you to treat this matter with the utmost seriousness, as I place significant importance on the\naccuracy of my credit reports. Having complete and verified information is crucial to me.\nI have identified contradictory, incomplete, and potentially inaccurate information on my reports. I am unsure\nwhether this discrepancy arises from unreliable information provided by the furnishers or from inadequacies\nin your reporting practices. Regardless, I implore both you and the furnishers to fulfill your obligations\ndiligently.\nThis is an opportunity for all parties involved to rectify any discrepancies and ensure the integrity of my credit\nreports. Thank you for your attention to this matter.\nFor every listed account, ensure that the information provided is entirely accurate, complete, and verifiable.\nAlternatively, if any aspect of the account cannot meet these criteria, it should be removed entirely.\nI am not merely requesting a partial investigation into certain accounts; rather, I insist on a thorough and\nmeticulous examination of each account detailed below. Any discrepancies or missing information that I\nidentify must be investigated fully and rectified promptly. Moreover, if there are errors or omissions that you\nobserve and I have not mentioned, please address them accordingly or delete the entire account.\nI will clearly outline each account and specify the inaccuracies or deficiencies that I believe exist. Your\ncommitment to investigating all identified issues is greatly appreciated. It is imperative that every error,\nincluding incomplete information, is rectified across all accounts, or those accounts should be deleted if\ncorrections cannot be made. Furthermore, transparency is essentialI expect full disclosure of all information\ncontained in my file, and I demand that every detail therein is entirely accurate, complete, and verifiable.\nAccounts:\n1. The following personal information is incorrect\nAccount Number:\nPrevious Address(es): XXXX XXXX XXXX XXXX, GA XXXX XXXX\n2. The following personal information is incorrect\nAccount Number:\nPrevious Address(es): XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX\n3. The inquiry was not authorized\nXXXX XXXX XXXX B\nDate of inquiry: XXXX\nDelete from consumer report\n4. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in\nviolation.\nXXXX XXXX\nAccount Number: XXXX\nUpdate to paid as agreed\n5. disputing inaccurate details within my credit reports per Compliance procedures 15 U.S.C. 1681e maximum\npossible accuracy\nXXXX XXXX\nAccount Number: XXXXnDelete from consumer report\n6. disputing inaccurate details within my credit reports per Compliance procedures 15 U.S.C. 1681e maximum\npossible accuracy\nXXXX XXXX\nAccount Number: XXXX\nDelete from consumer report\n7. disputing inaccurate details within my credit reports per Compliance procedures 15 U.S.C. 1681e maximum\npossible accuracy\nXXXX XXXX\nAccount Number: XXXX\nDelete from consumer report\n8. disputing inaccurate details within my credit reports per Compliance procedures 15 U.S.C. 1681e maximum\npossible accuracy\nXXXX XXXX\nAccount Number: XXXX\nDelete from consumer report\n9. disputing inaccurate details within my credit reports per Compliance procedures 15 U.S.C. 1681e maximum\npossible accuracy\nXXXX XXXX\nAccount Number: XXXX\nDelete from consumer report\n10. disputing inaccurate details within my credit reports per Compliance procedures 15 U.S.C. 1681e\nmaximum possible accuracy\nXXXX XXXX\nAccount Number: XXXX\nDelete from consumer report\n11. disputing inaccurate details within my credit reports per Compliance procedures 15 U.S.C. 1681e\nmaximum possible accuracy\nXXXX\nAccount Number: XXXX\nDelete from consumer report\n12. disputing inaccurate details within my credit reports per Compliance procedures 15 U.S.C. 1681e\nmaximum possible accuracy\nXXXX\nAccount Number: XXXX\nDelete from consumer report\n13. disputing inaccurate details within my credit reports per Compliance procedures 15 U.S.C. 1681e\nmaximum possible accuracy\nXXXX\nAccount Number: XXXX\nDelete from consumer report\n14. disputing inaccurate details within my credit reports per Compliance procedures 15 U.S.C. 1681e\nmaximum possible accuracy\nXXXX XXXX\nAccount Number: XXXX\nDelete from consumer report\n15. disputing inaccurate details within my credit reports per Compliance procedures 15 U.S.C. 1681e\nmaximum possible accuracy\nXXXX XXXXnAccount Number: XXXXnDelete from consumer report\n16. disputing inaccurate details within my credit reports per Compliance procedures 15 U.S.C. 1681e\nmaximum possible accuracy\nXXXX XXXXnAccount Number: XXXX\nDelete from consumer report\n17. disputing inaccurate details within my credit reports per Compliance procedures 15 U.S.C. 1681e\nmaximum possible accuracy\nXXXX XXXX\nAccount NumberXXXX XXXX\nDelete from consumer report\n18. disputing inaccurate details within my credit reports per Compliance procedures 15 U.S.C. 1681e\nmaximum possible accuracy\nXXXX XXXX\nAccount Number: XXXXnDelete from consumer report\nUpon completion of your investigation, kindly furnish me with a copy of the investigative findings along with\na comprehensive copy of my entire file. When I refer to a complete file, I expect all information pertaining to\nme to be included, without omission. Additionally, I request that you provide a record of inquiries made (both\nhard and soft pulls), accompanied by the reason for each inquiry and copies of certifications made by each\nuser of my report. It is imperative that you include all relevant details, as I am fully aware of my rights under\nthe FCRA to obtain my full file disclosure.\nPlease be advised that unless every missing piece of data, inconsistency, and error related to the disputed\naccounts is rectified accurately, or each disputed account is entirely deleted, your investigation will not\nresolve my dispute.\nIn accordance with my entitlement outlined in Section 1681i, I hereby request that you provide me with the\nfollowing details regarding your investigation into my disputes.: a description of the procedure used to\ndetermine the accuracy and completeness of the information shall be provided to the consumer by the agency,\nincluding the business name and address of any furnisher of information contacted in connection with such\ninformation and the telephone number of such furnisher, if reasonably available.\n\nALL OTHER NAMES OR DERIVATIVES MUST BE DELETED\nSincerely"

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