Consumer complaint received 2025-04-04 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XX/XX/XXXX Equifax Dispute Department XXXX XXXX XXXX, XXXX, GA XXXX TransUnion XXXX XXXX XXXX, XXXX, PA XXXX XXXX 

XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 


Subject : Formal Dispute of Inaccurate Credit Report Information and Request for Debt Verification. 

To Whom It May Concern, I am writing to formally dispute inaccuracies and negative items on my credit report that your agency has failed to correct despite previous attempts to resolve these issues. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, you are required to ensure the accuracy of the information reported. Your failure to do so has caused unnecessary harm to my financial standing. Additionally, I am requesting that any debt currently in collections be validated by providing the original purchase agreement and proof that the debt is valid and legally enforceable. If you can not verify the accuracy of these accounts, they must be removed from my credit file immediately. The following accounts contain incorrect or outdated information, which I am formally disputing and requesting to be either corrected or removed from my credit file : **Accounts Reported as Late or Inaccurate : ** XXXX XXXX XXXX XXXX XXXX missed payments XXXX XXXX XXXX XXXX XXXX missed payments XXXX XXXX XXXX XXXX XXXX missed payments XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX {$14000.00} balance ; 120 days late **Accounts Reported as On-Time but Containing Past Late Payments : ** XXXX XXXXXXXX XXXX XXXX missed payments XXXX XXXX XXXX XXXX missed payment **Accounts Currently in Collections ( Requesting Debt Validation ) XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} balance ; last reported 58 days ago XXXX {$45.00} balance ; last reported 33 days ago **Closed Accounts with Negative Reporting : ** XXXX Closed XX/XX/XXXX XXXX Closed XX/XX/XXXX XXXX XXXX Closed XX/XX/XXXX XXXX Closed XX/XX/XXXX XXXX XXXX Closed XX/XX/XXXX XXXX Closed XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Closed XX/XX/XXXX XXXX Closed XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Closed XX/XX/XXXX XXXX Closed XX/XX/XXXX These accounts are negatively impacting my credit score and must be reviewed for accuracy. If the reported information can not be verified as correct, I am requesting the immediate removal of these negative marks per the requirements of the FCRA. Furthermore, for the accounts currently in collections, I am requesting full verification, including a copy of the original signed agreement, proof of the debts ownership, and a complete payment history. If you can not provide this documentation, these debts must be removed from my credit report immediately. I have enclosed documentation supporting my dispute, and I expect a thorough and timely investigation. If these errors are not corrected within **15 days**, I will be forced to take further action, including filing a complaint with the Consumer Financial Protection Bureau XXXX CFPB ) and pursuing legal remedies for damages incurred due to inaccurate reporting. 

Please provide written confirmation of the corrections once completed. Should you require any additional information, I can be reached at the contact details listed above. 

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