Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Re : Inaccurate Information and Investigation Failures Dear Sir/Madam, I am writing to formally address the inaccuracies and failures in the dispute/investigation of the following accounts on my credit report, as maintained by Experian : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX I have reviewed my credit report and identified several instances where the information provided is not accurate. It is my understanding that Experian, as a credit reporting agency, is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure that the information reported is both complete and accurate. However, my dispute has not been properly investigated, and critical issues remain unresolved. Specifically, I am raising the following legal violations : 1. Failure to Conduct a Proper Investigation ( FCRA Section 611 ( a ) ) Under the FCRA, Experian is required to conduct a reasonable investigation of disputed information within 30 days of receiving a dispute. In the case of these accounts, I did not see any investigative details nor was I provided with clear documentation outlining the steps that Experian took to verify the accuracy of the information. This lack of transparency is a direct violation of the requirement for a complete and thorough investigation.

2. Failure to Ensure Maximum Possible Accuracy ( FCRA Section 607 ( b ) ) Experian has an obligation to report accurate and complete information. In the cases of XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Funding, and National Credit Adjusters, the information reported is either incomplete, outdated, or inaccurate. These inaccuracies violate the FCRAs mandate for maximum accuracy, and they have caused unnecessary harm to my credit profile.

3. Failure to Include Relevant Investigative Details ( FCRA Section 609 ( a ) ( 1 ) ) As part of the credit report dispute process, I am entitled to receive a complete summary of the investigation that includes all details, evidence, and any supporting documentation obtained during the investigation of disputed accounts. 

Experian has failed to provide this information, leaving me in the dark regarding the specifics of how the dispute was handled. This lack of documentation and failure to provide a complete investigation process violates my rights under the FCRA. 
Given these violations, I request that you take immediate action to correct the following : Remove and delete the above listed accounts Ensure that my credit report is updated with complete and accurate information, as required by law. 

I respectfully ask for the correction of these issues and request confirmation in writing once the accounts have been deleted. If these inaccuracies are not resolved in accordance with FCRA guidelines, I will have no choice but to consider further legal actions and seeking judicial remedies. 

Thank you for your prompt attention to this matter.

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