Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Accounts on My Credit ReportDate of Birth : XXXX Security Number : XXXX Dear Sir/Madam, I am writing to formally dispute the inaccuracies on my Experian credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to dispute information that is incomplete, inaccurate, or unverifiable. I am asserting that the following accounts listed on my credit report are erroneous and should be corrected or removed immediately : 1. Account Name : XXXX  XXXX Account Number : XXXX for Dispute : Charge off accounts should not hold a balance. Instructions : remove from my account immediately. 
2. Account Name : XXXX XXXX Number : XXXX for Dispute : Charge off accounts should not hold a balance. Instructions : remove from my account immediately. 
3. Account Name : Selfinc/leadAccount Number : XXXX for Dispute : Charge off accounts should not hold a balance. Instructions : remove from my account immediately. 

4. Account Name : XXXX XXXX : XXXX for Dispute : Charge off accounts should not hold a balance. Instructions : remove from my account immediately 5. Account Name : XXXXAccount Number : XXXX for Dispute : Charge off accounts should not hold a balance. Instructions : remove from my account immediately. 
6. Account Name : XXXXAccount Number : XXXX for Dispute : Charge off accounts should not hold a balance. Instructions : remove from my account immediately. 
7. Account Name : XXXX XXXX XXXXAccount Number : XXXX for Dispute : Charge off accounts should not hold a balance. Instructions : remove from my account immediately. 
8. Account Name : XXXX XXXX XXXXAccount Number : XXXX for Dispute : Charge off accounts should not hold a balance. Instructions : remove from my account immediately. 
9. Account Name : XXXX XXXX Number : XXXX for Dispute : Charge off accounts should not hold a balance. Instructions : remove from my account immediately. 

I request that you immediately investigate these inaccuracies, as required by law, and provide me with written confirmation of the status of these accounts after the investigation. If, after your investigation, you find that any of the information is inaccurate or unverifiable, I demand that it be permanently removed or corrected. Under the FCRA, if you can not verify the accuracy of this information, you are legally obligated to delete or correct it within a reasonable timeframe. 
Please provide me with a copy of the updated report showing the corrected or removed information within 30 days, as stipulated by 15 U.S.C. 1681i. Additionally, if the disputed information is not corrected or removed, please include an explanation as to why. 
Failure to comply with the provisions of the Fair Credit Reporting Act will leave me no choice but to pursue further legal action against your company for failure to comply with the law, including but not limited to reporting your failure to the Federal Trade Commission ( FTC ) and seeking damages under 15 U.S.C. 1681n and 1681o. 
I expect your prompt attention to this matter. Please inform me in writing of your findings and actions within the timeframe allowed under the law. 

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