Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Category : Credit Reporting Issue : Inaccurate Credit Reporting, Failure to Reinvestigate, and Identity Theft Mishandling Complainant Information Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX Email : XXXX Phone : XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information in My Credit Report Dear Experian, I am writing to formally dispute inaccurate and incomplete information on my credit report, which remains unresolved despite my previous attempts to address these errors. This letter serves as an official demand for correction, pursuant to the Fair Credit Reporting Act ( FCRA ) and recent findings from the Consumer Financial Protection Bureau ( CFPB ). 

Specifically, my disputes have not been resolved adequately, and XXXX actions mirror those identified in the XXXX XX/XX/XXXX complaint ( XXXX XXXX. XXXX ). These include : XXXX. Failure to Conduct Reasonable Reinvestigation : Under FCRA 1681i ( a ), Experian is required to conduct a reasonable reinvestigation and notify furnishers with all relevant information. Despite providing sufficient documentation and clear explanations for my disputes, Experian has either mischaracterized my claims or relied unreasonably on furnishers responses without verifying their accuracy. 
XXXX. Failure to Provide Accurate Results : Experians reinvestigation results have been incomplete, ambiguous, and contradictory, as outlined in the CFPBs complaint ( Paragraphs 64-80 ). Notices stating outcomes such as Updated or Processed fail to clarify what has changed or why inaccuracies remain unresolved.

3. Failure to Ensure Maximum Possible Accuracy : Under FCRA 1681e ( b ), Experian must implement reasonable procedures to assure the accuracy of information. The disputed items continue to harm my credit profile unjustly, resulting in financial injury.

I am submitting this complaint against Experian Information Solutions for violating the Fair Credit Reporting Act ( FCRA ) and failing to address disputes regarding inaccuracies and fraudulent entries on my credit report. Despite multiple attempts to resolve these issues directly with Experian, the disputed items remain on my report, harming my credit profile and causing financial hardship. 

The issues include : XXXX. Inaccurate Bankruptcy Reporting : Experian falsely claims verification of XXXX bankruptcies ( Reference Numbers : XXXX and XXXX ) through the U.S. Bankruptcy Court, despite written confirmation from the court that it does not report or verify data 2. Identity Theft-Related Fraudulent Accounts : Numerous fraudulent accounts opened in my name due to identity theft have not been removed, despite providing evidence such as an FTC Identity Theft Affidavit, a police report, and debt validation requests 3. Failure to Investigate or Verify : Experian relies on unverifiable data from third-party vendors and automated systems ( e.g., e-OSCAR ), rather than conducting a manual investigation as required by FCRA 1681i 4. Reporting Inconsistencies : Experians reporting fails to comply with Metro 2 standards, resulting in discrepancies in account balances, statuses, and dates Specific FCRA Violations : 1. FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum accuracy of reported information.

2. FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

3. FCRA 1681c : Reporting obsolete or inaccurate information.

4. FCRA 1681n and 1681o : Willful and negligent non-compliance with investigation requirements.

Evidence and Supporting Documents : 1. Proof of Identity Theft : FTC Identity Theft Affidavit ( Report # XXXX, submitted XX/XX/XXXX ) Police report confirming theft of my wallet, fraudulent account openings, and unauthorized use of my credit cards. 
XXXX. Correspondence with Experian : Dispute letters requesting reinvestigation and proper validation of accounts, including detailed Method of Verification ( MOV ) requests Experians inadequate responses, which failed to provide detailed methods of verification 3. Debt Validation Letters : Letters sent to creditors XXXX XXXX XXXX XXXX XXXX, showing that other credit bureaus removed disputed accounts due to lack of verification 4. Fraudulent Accounts : Evidence of fraudulent accounts and their impact on my credit report, including discrepancies in account balances and statuses