Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
RE : Request for Full Verification and Compliance Review of Account Reporting ADVC Format | XXXX XXXX Compliance Request | FCRA XXXX XXXX Code XXXX Dear [ Experian ], I am writing to formally dispute the accuracy and validity of the following account reporting on my credit file. This letter serves as a XXXX XXXX ADVC dispute, designed to be recognized and processed by your XXXX  system in accordance with consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Disputed Account Details : * Creditor Name : [ XXXX XXXX ] * Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] * Reporting Type : [ XXXX-XXXX ] * Reason Code ( XXXX XXXX ) : XXXX Not Mine / XXXX No Knowledge of Account / XXXX Account Inaccurate What I Am Requesting : Pursuant to my rights under XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) and ( a ) ( XXXX ) ( B ) ( XXXX ), I formally request the following : XXXX. The method of verification used to determine this account is accurate. 
XXXX. A complete description of the procedure used in your reinvestigation. 
XXXX. All documentation, records, or evidence provided by the original furnisher during your investigation that supports the reporting of this item. 
XXXX. Confirmation that this account is being reported in full XXXX XXXX Format, in compliance with the XXXX XXXX XXXX XXXX ( XXXX ) standards. Any deviation from XXXX XXXX standards XXXX render the data incomplete, inaccurate, or misleading. 

Legal Basis for My Dispute : * XXXX XXXX XXXX XXXX ( a ) : Requires a reasonable reinvestigation of disputed information and timely notification of results. 
* XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) : Mandates deletion if the information can not be verified within XXXX  days. 
* XXXX XXXX XXXX XXXX ( b ) : Requires you to maintain maximum possible accuracy. 
* XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) ( iii ) : Requires you to provide the method and procedure used in verifying disputed items. 
* XXXX XXXX XXXX / XXXX Guidelines : All data furnishers must comply with XXXX XXXX standards when reporting to CRAs. Any deviation constitutes potential FCRA noncompliance. 

XXXX Notice : If you can not verify this account within XXXX  days with complete, documented evidence that complies with the XXXX XXXX reporting standard, you must : * DELETE this account from all consumer credit files maintained under my name. 
* Cease reporting inaccurate or unverifiable data to any other credit reporting agencies. 
* Send me written confirmation that this item has been deleted or verified in full compliance with FCRA and XXXX XXXX guidelines. 
Failure to comply XXXX result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible civil action under XXXX XXXX Code XXXX and XXXX. 

Documents Enclosed : * Copy of my government-issued ID * Proof of address ( utility bill or bank statement ) * Highlighted copy of my credit report referencing the disputed account Please process this dispute through your XXXX system using the correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and respond to me in writing at the address above. 
Sincerely, \n [ 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