Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint against Experian for its repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that consumer reporting agencies conduct a reasonable reinvestigation of disputed information. 

On XX/XX/year>, Experian unilaterally opened a dispute on my behalf after I filed a CFPB complaint regarding its prior FCRA violations. This dispute involved a fraudulent collections account, which Experian has wrongfully refused to remove despite overwhelming evidence proving it to be inaccurate. 

Experian initially stated that its investigation would be completed by XX/XX/year>. However, on XX/XX/XXXX, XXXX XXXX days after opening the disputeExperian prematurely closed the dispute, claiming the account was verified. This eight-day turnaround is entirely inadequate for a proper investigation and is clear evidence that Experian failed XXXX conduct a reasonable reinvestigation in direct violation of the FCRA. 

Additionally, I submitted over XXXX pieces of supporting documentation through the CFPB portal, which were forwarded to Experian as part of the dispute process. Experian ignored this evidence and failed to provide any explanation addressing the inaccuracies I documented. Instead, it hastily closed the dispute without conducting an independent investigation. 

Pattern of Noncompliance & AI-Generated Response Further demonstrating its disregard for consumer rights, Experian failed to properly respond to my initial CFPB complaint. The response Experian provided on the CFPB portal was an AI-generated template that did not directly address my specific concerns or the violations raised in my complaint. Experians generic, automated response stated : Thank you for submitting your complaint on XX/XX/year>, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed a final response will be forwarded to you to view It then proceeded to provide irrelevant contact information and links to Experians blog rather than address my dispute substantively. The fact that Experian used an AI-generated, copy-paste response instead of responding to the specifics of my complaint further proves its bad faith conduct and deliberate attempt to evade compliance with federal law. 

Suspicious Timing & Regulatory Evasion Notably, Experian marked my dispute as completed on the exact same day that the interim director of the CFPB ordered all CFPB employees to immediately cease working. This raises serious concerns that Experian prematurely closed my dispute to avoid regulatory oversight, taking advantage of the fact that one of its governing bodies was no longer monitoring its actions.

Harm Suffered Due to Experians Negligence Experians failure to conduct a reasonable reinvestigation and its pattern of noncompliance have caused me significant financial harm. Due to the presence of this fraudulent account on my credit report, I have been denied housing and am currently forced to live in a hotel. Experians negligence is directly responsible for this hardship.