Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This is my formal third-round dispute letter regarding multiple inaccurate, incomplete, and unverified accounts being reported on my Experian credit file. I have made previous efforts to resolve these discrepancies, but Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to investigate and correct or remove unverified and inaccurate information. 

Please review and reinvestigate the following accounts immediately : XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : $ XXXX : Charge OffLaw : 15 U.S.C. 1681s-2 ( b ) Duty to correct and update informationStory : This account is inaccurately reported as a charge-off. The furnisher has failed to validate or verify the status in prior rounds. Reporting unverifiable and inaccurate data is a clear violation of federal law. I demand this item be either corrected or permanently deleted. 

XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : $ XXXX : Late PaymentsLaw : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requirement to delete unverifiable informationStory : The late payments associated with this account remain unverified after repeated disputes. Inaccurate payment history severely impacts my credit rating. The continued reporting of unverifiable late marks is a violation of the FCRA. 

XXXX XXXX # XXXX Opened : XX/XX/XXXX | High Balance : $ XXXX : Late PaymentsLaw : 15 U.S.C. 1681e ( b ) Duty to assure maximum possible accuracyStory : I dispute the accuracy of the late payment reporting. The furnisher has not provided documentation proving its accuracy. Continued reporting of this incorrect information without validation is unacceptable under federal law. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : $ XXXX : Charge OffLaw : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to furnish accurate informationStory : This account has been reported as charged off, but the validity and completeness of the reporting remain unverified. I have not received any documentation or proof from XXXX to substantiate this status. This entry must be corrected or removed. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : $ XXXX : Charge OffLaw : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Reinvestigation requirementStory : Duplicate charge-off reporting from XXXX across multiple entries is suspicious and likely inaccurate. I demand immediate reinvestigation and deletion of unverified duplicate information in compliance with the FCRA. 

XXXX XXXX XXXX # XXXX * Date Opened : XX/XX/XXXX | Balance Owed : $ XXXX : XXXX : 15 U.S.C. 1681e ( b ) Accuracy requirementStory : This debt has not been validated despite multiple disputes. I request Experian immediately remove this item for failure to comply with the FCRA 's requirement for accurate and verifiable data. 

I am demanding a full reinvestigation of each item listed and a detailed explanation of your findings. If any item can not be verified with documentation, it must be permanently removed per federal law.

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