Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX RE : Formal Notice of Credit Bureau Dispute Submissions Request for CFPB Oversight To Whom It May Concern : I am writing to formally notify the Consumer Financial Protection Bureau that I have submitted written credit dispute letters to Experian Information Solutions , Inc., as well as to the individual furnishers responsible for the inaccurate and unverifiable late payment notations appearing on my Experian credit report dated XX/XX/XXXX. I am providing this notice to the CFPB so that there is an official record of my dispute submissions and the timeline by which the bureau and furnishers are required to respond under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Dispute Letters Submitted To : Recipient Items Disputed Experian Information Solutions , Inc . XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX late payment notations on closed XXXX XXXX account ( XXXX and XXXX lates, Account # XXXX ) Charge-off status & XXXX months of negative notations on closed XXXX XXXX account ( Account # XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX : Credit Bureau XXXX XXXX. XXXX XXXX, XXXX XXXX, SD XXXX XXXX missed/late payment notations on closed account # XXXX ( opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX Attn : XXXX XXXX Department XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX Legal Basis for Disputes : Charge-off status & XXXX months of negative notations on closed account # XXXX ( opened XX/XX/XXXX ) Prior FCRA dispute outcome contested by consumer 15 U.S.C. 1681i ( a ) Each bureau has XXXX days from receipt to complete its investigation 15 U.S.C. 1681s-2 ( b ) Furnishers are obligated to investigate and correct inaccurate information 15 U.S.C. 1681e ( b ) Bureaus must maintain maximum possible accuracy in consumer reports 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Unverifiable information must be promptly deleted 15 U.S.C. 1681c Prohibition on reporting obsolete or re-aged account information 15 U.S.C. 1681n / 1681o Civil liability for willful and negligent noncompliance Each bureau and furnisher has been formally notified that failure to investigate and respond within the required XXXX timeframe is a violation of federal law. I respectfully request that the CFPB maintain this correspondence as part of an official record. Should any bureau or furnisher fail to comply with the FCRA 's requirements within the mandated XXXX window, I intend to file formal complaints with the CFPB, the Federal Trade Commission , and the Texas Attorney General 's office, and will consult with an FCRA attorney regarding my right to statutory damages of up to {$1000.00} per violation plus attorney fees under 15 U.S.C. 1681n. Thank you for your time and attention to this matter. Sincerely, ___________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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