Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This letter is a formal dispute regarding the account listed below that appears on my Experian credit report ( report dated XX/XX//2025 ). 

Creditor Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX I am writing to request the immediate deletion of this account from my credit report due to an incomplete and therefore inaccurate investigation. The report states, " Completed investigation of FCRA dispute - consumer disagrees, '' which is a clear indication that a full reinvestigation as required by law was not completed. 

This action is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I draw your attention to the following sections : 15 U.S. Code 1681i ( a ) : This section requires a credit reporting agency to conduct a " reasonable reinvestigation '' of the disputed information. The comment " consumer disagrees '' implies that you have not fulfilled this obligation. A reasonable reinvestigation necessitates contacting the furnisher of the information and reviewing all relevant data, not simply relying on their initial claim of accuracy. The consumer 's disagreement is a crucial part of the process, not a final statement.

15 U.S. Code 1681i ( a ) ( 5 ) ( B ) : This section states that if, after a reinvestigation, an item of information is found to be inaccurate, it must be promptly deleted or modified. The phrase " consumer disagrees '' suggests a lack of finding and a failure to meet this requirement.

15 U.S. Code 1681e ( b ) : This provision mandates that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy '' of the information they report. By terminating the investigation with a note of my disagreement rather than completing a full reinvestigation, you have failed to adhere to this standard.

The account details you have on file indicate a status of " Open. {$170.00} past due as of XX/XX/ 2025 '' and a monthly payment of " {$22.00}. '' Your payment history log shows numerous green ( " On Time '' ) payments, but also several red months and a gray month that is not explained. The contradictory nature of this data and the lack of a complete reinvestigation further underscores the inaccuracy of your reporting. 

Under these circumstances, the continued reporting of this account is in violation of federal law. I demand that you delete this account from my credit report within 30 days of receipt of this letter, in compliance with the FCRA. Failure to do so will result in further legal action, as provided for under 15 U.S.C. 1681n ( civil liability for willful noncompliance ) and 15 U.S.C. 1681o ( civil liability for negligent noncompliance ).

A copy of my credit report with the disputed information highlighted is enclosed. Please send me an updated copy of my report once this account has been deleted.

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