Consumer complaint received 2025-01-30 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report, which Experian is currently reporting. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to maintain only accurate and verifiable information in consumer credit files. I am also submitting this letter as a formal complaint regarding your failure to properly investigate and correct these inaccuracies. 

Disputed Information : XXXX Acct : XXXX ( only being reported on experian and no other agency, acct does not exist ) XXXX XXXX XXXX Acct XXXX XXXX ( only being reported on experian and no other agency, acct does not exist ) XXXX  XXXX Acct : XXXX reporting does not match XXXX and dates are wrong XXXX XXXX XXXX Acct XXXX XXXX dates of last active are inaccurate and reporting does not match XXXX XXXX XXXX XXXX  Acct XXXX XXXX dates of last active are inaccurate and reporting does not match XXXX XXXX XXXX Auto Acct XXXX XXXX Payment history is inaccurate and account is not showing in XXXX dates do not match with XXXX XXXX Accounts XXXX & are not valid and will need to be verified. 

The above-listed information is inaccurate, outdated, unverifiable, and/or incomplete. Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation within 30 days of receiving this dispute. If you can not verify this information with credible documentation, it must be permanently deleted from my credit file. 

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are obligated to follow maximum possible accuracy procedures to ensure that consumer reports are correct. If Experian continues to report false or unverifiable information, you may be in violation of federal law and subject to legal action under 15 U.S.C. 1681n and 1681o, which provide for damages, attorney fees, and potential punitive penalties for willful or negligent noncompliance.

Additionally, if the inaccurate information stems from a debt collector, it may also violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits debt collectors from reporting false or misleading information. I request that Experian demand proper validation from the data furnisher or immediately remove the disputed items.

Requested Action : Conduct a full investigation into this dispute and provide a written response within 30 days.

If the disputed items can not be verified, delete them immediately from my credit file. 
Provide me with a free updated credit report reflecting these corrections per 15 U.S.C. 1681i ( d ).

Should Experian fail to comply, I am prepared to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I am also prepared to pursue legal action if necessary to enforce my rights under federal law. 

Lastly, I should only have one address on file and they have several listed. As you can see I have disputed this many times but have gotten no resolution. XXXX XXXX XXXX XXXX MA XXXX should be the only address on my credit file. 

Please respond in writing to confirm the status of my dispute. I expect 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