Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Date : XX/XX/2025 Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Dispute of Inaccurate Credit Information under 15 U.S.C. 1681i Dear Experian, I am writing to formally dispute the accuracy of the following item ( s ) appearing on my credit report. This dispute is being submitted in accordance with my rights under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ).

Item ( s ) in Dispute : Creditor Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : The account shows incorrect closure status and balance. The account is closed, with no balance owed, and must be reported as Paid in Full updated and removed. 

Creditor Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : The account shows incorrect closure status and balance. The account is closed, with no balance owed, and must be reported as Paid in Full updated and removed. 
Creditor Name : XXXX XXXX Account Number : XXXX Reason for Dispute : This account was closed at my request with no delinquency. Current status creates a misleading negative impression. Please update and remove. 


Creditor Name XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : This account is closed and should not be reporting an outstanding balance. Please update the record to reflect the accurate balance to {$0.00} and remove it from report. 

Creditor Name : XXXX XXXX XXXX. 
Account Number : XXXX Reason for Dispute : The Profit and Loss Write-Off notation is obsolete and past the legal reporting period under the FCRA. Please delete this outdated entry immediately. 

Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : This account is closed with no outstanding balance. Please update the account and remove it from report. 

Creditor Name : XXXX  Account Number : XXXX Reason for Dispute : This account was fully paid as agreed. Please update the account and remove from the report. 

Creditor Name : XXXX XXXX Account Number : XXXX Reason for Dispute : This account is being reported and was paid in full as agreed. Please update the account and remove from report.

Action Requested : Please conduct a reinvestigation into this account as required by the FCRA. If the account can not be verified or is found to be inaccurate or incomplete, it must be corrected or removed from my credit report. I request that you provide me with the results of your investigation in writing within the time allowed by law. 
Enclosures : I have included copies of the following documents to support my dispute : - Copy of driver 's license or ID - Copy of social security card - Copy of recent utility bill or proof of address Under federal law, you are required to : - Complete the reinvestigation within 30-45 days, - Notify the furnisher of the information, - Delete or correct unverifiable or inaccurate information, - Provide me with a free copy of my corrected credit report and a written summary of your findings. 
Please update me promptly once your investigation is complete. If this issue is not resolved, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or take further legal action to protect my rights. 
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