Consumer complaint received 2025-01-30 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: OH

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Report Entries To Whom It May Concern, I am writing to formally demand the removal of the following inaccurate accounts listed on my credit report, as they violate my rights under the Fair Credit Reporting Act ( FCRA ). As you are aware, under 15 U.S.C. 1681i, you are legally required to investigate and correct any errors or inaccuracies on my credit report. The failure of XXXX and Experian to properly investigate consumer disputes was recently underscored by the multi-million-dollar lawsuits filed against you by the Consumer Financial Protection Bureau ( CFPB ), highlighting a troubling pattern of non-compliance with your legal obligations to conduct thorough and accurate investigations. 
XXXX XXXX XXXX. 
XXXX XXXXXXXX I previously disputed this account stating : " I dont remember ever being late with a payment on this account. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I previously disputed this account stating : " I dont remember ever being late with a payment on this account. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Ohio XXXX XXXX XXXX XXXX XXXX XXXX I previously disputed this account stating : " I overpaid this account in XXXX and subsequently received a check from your agency. However, I noticed that you reported me as late for the following month, which I believe is abusive, misleading, and a violation of my privacy. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX I previously disputed this account stating : " I dont recognize this lender and account. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account. 
XXXX XXXX XXXX XXXX  XXXX I previously disputed this account stating : " I dont recognize this lender and account. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account. 

Please see a list of all the accounts that are being disputed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccurate entries continue to appear on my credit report, and I believe that they were not properly investigated in accordance with 15 U.S.C. 1681i. As such, I am requesting the immediate removal of these items, as they are negatively affecting my creditworthiness. Furthermore, under 15 U.S.C. 1692g and 15 U.S.C. 1681q. 15 U.S.C. 1681s-2 ( b ), and I did not receive the requested documents concerning the investigation within the appropriate timeframe.

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