Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Reporting under 15 U.S.C. 1681s2 XXXX XXXX XXXX  Account # XXXX I am writing to formally dispute and demand immediate for deletion of the inaccurately reported information related to the following account : Creditor/Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX According to my recent credit file and reinvestigation response, this account has been marked as verified and accurate. However, this determination is in direct contradiction to the facts and constitutes a violation of your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s2. 

The inaccuracies associated with this account include, but are not limited to : Incorrect Date Opened : Reported as XX/XX/XXXX, which is inaccurate. 
Incorrect Last Active Date : Reported as XX/XX/XXXX, which is inaccurate. 
Incorrect Last Payment Date : Listed as XX/XX/XXXX, a future date, and factually inaccurate. 
Incorrect Reporting Date : Reported as XX/XX/XXXX, which is a false future date. 
Inaccurate Balance : A balance of {$11000.00} is being reported for a closed account. 
Incorrect Account Status : The account is closed, yet still reported as open/active. 

These errors are not only misleading but materially impact my consumer file and creditworthiness. After notifying you of these inaccuracies and requesting a reinvestigation, you failed to correct the errors and improperly verified the account, further compounding the violation. 

This continued reporting of inaccurate information after receiving notice and confirmation of errors is a direct violation of 15 U.S.C. 1681s2 ( b ), which legally obligates furnishers to conduct a reasonable investigation and correct inaccurate or incomplete information. 

As part of this dispute and in accordance with FCRA guidelines, I am requesting the following documentation : 1. Original loan agreement with my signature 2. Full payment history 3. Notice of default 4. Notice of repossession 5. Notice of sale 6. Surplus or deficiency notice, including calculation 7. Vehicle condition report at time of repossession 8. Bill of sale/purchase 9. Licensure of the original creditor to originate and service this loan 10. Any and all records used to verify this accounts accuracy If you are unable or unwilling to provide these documents to validate the accuracy of this account and correct the reporting, I am formally demanding that the account be deleted in full from all consumer reporting agencies. 


Thank you for your time and attention to this matter. I expect a response within 30 days as required under the FCRA. 

Sincerely, 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