Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I pulled my credit report and noticed inaccurate information reporting on my Experian credit report. Since XX/XX/year>, I have sent Experian 4 dispute letters and haven't heard from Experian since my first-round dispute letter. They sent me an email stating that they received my dispute letter and that they would conduct an full investigation and within a few hours later that same day they sent me a follow up email stating that everything was verified on my credit report and that they would not make any changes at that time. I have since sent Experian 3 more dispute letters and have not heard anything else back from them in months. In each dispute letter I even attached my social security card, driver license and current utility bill for that month thinking that this will help with my dispute investigation with Experian but yet still haven't heard from them at all in several months. I even went as far as having my last couple dispute letters sent by certified mail to them and got updates from XXXX that my letters were received and still no response from Experian. The tracking number from my last certified letter XXXX is : XXXX. The tracking number is still available and shows delivered on XXXX XXXX  and left with individual at Experian. The following information is what I was disputing. 

1. XXXX XXXX Account # XXXX This account is inaccurately reporting 6 late payments across all three credit bureaus. I am disputing the inaccuracy of these derogatory remarks and demand that this account be updated to PAANL ( Paid As Agreed, Never Late ). Inaccurate closed date, Last activity and reported dates on credit report 2. XXXX XXXX XXXX Account # XXXX This account inaccurately reflects two late payments. I am disputing the inaccuracy of this data and demand this tradeline be updated to PAANL Paid As Agreed, Never Late. Inaccurate closed date, Last activity and reported dates on credit report 3. XXXX XXXX Account # XXXX This closed account remains on my report with inaccurate information and has not been properly verified during past disputes. I now demand : A full reinvestigation of this account. A detailed method of verification, including : The name of the individual contacted, the date and time of the communication, and a copy of the original signed contract bearing my signature. Inaccurate closed date, Last activity and reported dates on credit report 4. XXXX XXXX XXXX  Account XXXX XXXX This closed account also contains inaccurate reporting and has not been adequately verified. I demand : A complete reinvestigation, the name, date, and time of the person contacted for verification, and a copy of the original signed contract. I now demand this account be deleted in its entirety due to your continued inability to verify its accuracy and completeness. Inaccurate closed date, Last activity and reported dates on credit report 5. XXXX XXXX, XXXX # XXXX  This closed account also contains inaccurate reporting and has not been adequately verified. I demand : A complete reinvestigation, the name, date, and time of the person contacted for verification, and a copy of the original signed contract. I now demand this account be deleted in its entirety due to your continued inability to verify its accuracy and completeness. Inaccurate closed date, Last activity and reported dates on credit report 6. XXXX XXXX-Account # XXXX This closed account also contains inaccurate reporting and has not been adequately verified. I demand : A complete reinvestigation, the name, date, and time of the person contacted for verification, and a copy of the original signed contract. 
I now demand this account be deleted in its entirety due to your continued inability to verify its accuracy and completeness. I never had a contract with this debt collector for any debt nor know who this company is. Inaccurate closed date, Last activity and reported dates on credit report I stated the following laws due to them violating my rights, Legal references : 15 USC 1681i ( a ) ( 5 ) Requires correction or deletion of inaccurate or unverifiable data. 15 USC 1681e ( b ) Ensures duty of maximum accuracy.

15 USC 1681g Entitles me to disclosure of all verification methods and sources.

Due to the ongoing harm and the negligent failure to comply with federal law, I reserve the right to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursuing legal action for willful noncompliance under 15 USC 1681n and 15 USC 1681o , which allow for actual and punitive damages.

Please complete this reinvestigation and respond to me in writing within 15 calendar days from the date of this letter, as required by law. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, The CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligation under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough reinvestigation of disputed items within 30 days

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