Consumer complaint received 2025-01-14 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: TN

Complaint narrative:
Between XX/XX/XXXXXXXX  and XX/XX/XXXX, I sent multiple dispute letters to Experian regarding inaccuracies on my credit report. Despite my detailed explanations and requests for proper investigation, these items remain unresolved. Below is a summary of the disputed accounts and actions : 1XXXX XXXX XXXX XXXX Account # XXXX ) : Secured Loan opened on XX/XX/XXXX with a {$0.00} balance. 
Disputed late payment history, requested statements and proof of investigation. 
2. XXXX XXXX XXXX XXXX  ( Account # XXXX ) : Auto Loan opened on XX/XX/XXXX with a {$25000.00} balance. 
Disputed missed and late payments, requested complete payment records. 
3. XXXX XXXX XXXX  XXXX Account # XXXX ) : Secured Credit Line opened on XX/XX/XXXX with a {$0.00} balance. 
Disputed late payment history, requested proof of investigation and negative status. 
4. XXXX XXXX XXXX ( Account # XXXX ) : Secured Credit Card opened on XX/XX/XXXX with a {$0.00} balance. 
Disputed late payment history, requested proof of investigation and corrections. 
5. XXXX ( Account # XXXX ) : Charge Card opened on XX/XX/XXXXXXXX  with a {$1100.00} balance. 
Disputed charge-off status and requested proof of the balance and charge-off. 
6. XXXX XXXX  ( Account # XXXX ) : Secured Credit Card opened on XX/XX/XXXXXXXX   with a {$270.00} balance. 
Disputed charge-off status and requested proof or balance update. 
7. XXXX XXXX ( Account # XXXX ) : Secured Loan opened on XX/XX/XXXXXXXX XXXX a {$0.00} balance. 
Disputed late payment history, requested proof of investigation and corrections. 
8. XXXX ( Account # XXXX ) : Secured Loan opened on XX/XX/XXXX with a {$0.00} balance. 
Disputed late payment history, requested proof of investigation and corrections. 
9. XXXX XXXX XXXX ( Account # XXXX ) : Collection opened on XX/XX/XXXXXXXX  with a {$370.00} balance. 
Disputed debt ownership, requested proof from the original creditor. 
10. XXXX XXXX XXXX ( Account # XXXX ) : Collection with a {$430.00} balance, original creditor XXXXXXXX XXXX XXXX XXXX XXXX 
Disputed debt ownership, requested proof from the original creditor. 
11. XXXX XXXX XXXX  ( Account # XXXX ) : Collection with a {$500.00} balance, original creditor XXXX  XXXX. 
Disputed debt ownership, requested proof from the original creditor. 
12. XXXX XXXX XXXX ( Account # XXXX ) : Collection with a {$310.00} balance, original creditor XXXX XXXX XXXX XXXX. 
Disputed debt ownership, requested proof from the original creditor. 

In all cases, I have not received sufficient proof of investigation, payment records, or documentation from either Experian or the creditors to validate these accounts and their negative statuses. This lack of proper investigation violates the Fair Credit Reporting Act. I request that Experian either remove these inaccuracies or provide comprehensive proof of their investigations and the validity of the disputed information.

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