Consumer complaint received 2025-07-20 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: TN

Complaint narrative:
Subject : Request for Investigation and Deletion of Inaccurate Account FCRA 611 ( 15 U.S.C. 1681i ) Dear Equifax, I am writing to formally dispute the accuracy of the following accounts listed in my credit report. This request is made pursuant to the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), which requires you to conduct a reasonable investigation of any disputed information. 

Disputed Items : Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$20000.00} Status : Charge-off / Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2500.00} Status : Charge-off / Collection These accounts are being reported as derogatory and are currently in dispute. I request that Equifax investigate these accounts and provide me with : XXXX of the account and all information reported. 

A full description of the method used in the investigation. 

Copies of any documents used to verify the account with the original creditor. 

If these accounts can not be verified or proven to be accurate within 30 days as outlined under the FCRA, they must be removed from my credit file. 

Please confirm receipt of this dispute and notify me of the outcome in writing. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Phone : [ Your Phone Number ] Email : [ Your Email Address ] [ Signature ] [ Include Copies : Drivers License, Utility Bill or Lease/Bank Statement ] XXXX XXXX Mortgage Account Experian To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Date : [ Insert Date ] Subject : Request for Investigation and Deletion of Inaccurate Account FCRA XXXX ( XXXX U.S.C. XXXX ) Dear Experian, This letter is a formal dispute of an account appearing on my credit report. Under the Fair Credit Reporting Act, XXXX XXXX ( XXXX XXXX. XXXX ), I am requesting that you investigate and verify the accuracy of this entry. 

Disputed Item : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$370000.00} Status : 180 Days Late / Delinquent Past Due : {$49000.00} I am disputing the accuracy of this delinquency. I request that you : XXXX a reasonable reinvestigation. 

Provide documentation used to verify this information. 

Remove or correct any unverifiable, inaccurate, or outdated information in compliance with FCRA Section XXXX. 

If you can not verify the accuracy within 30 days, the account must be deleted from my credit file. 

Please send me written confirmation of your findings and any changes made. 

Sincerely, 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