Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the improper handling of my credit dispute with the three major credit bureaus, specifically Experian, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Despite repeated attempts to resolve inaccuracies in my credit report, the bureaus have failed to comply with the statutory requirements for conducting reasonable investigations. This failure has led to a material negative impact on my credit, and I believe the actions of Experian ( and possibly the other credit bureaus ) violate several key sections of the FCRA. 



Summary of Dispute and Violations : 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) Despite submitting multiple letters disputing inaccuracies, I have received responses that suggest the investigations were either not conducted or were done improperly. According to the FCRA, when a consumer disputes information on their credit report, the credit bureaus are required to conduct a reasonable investigation of the disputed items and correct any errors within 30 days. My experience, however, suggests that the investigations conducted were superficial and do not meet the standard required by law. 

2. Failure to Notify Me of Results of the Investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Upon disputing the inaccuracies on my report, I was either not provided with a proper notice of the investigation results or was given insufficient documentation of the findings. The law clearly states that the results of the investigation should be communicated to the consumer in writing, along with the contact information for any entities that provided information on which the dispute was based. This step was either inadequately followed or ignored.

3. Failure of Furnishers of Information to Investigate Disputes ( 15 U.S.C. 1681s-2 ) In addition to Experians improper investigation, I have also disputed the information with the entities that reported incorrect data ( the furnishers ). However, these furnishers have failed to comply with their duties to properly investigate and respond to disputes in a timely manner.

4. Failure to Correct or Delete Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) Under 15 U.S.C. 1681e ( b ), credit bureaus must maintain procedures to ensure the accuracy of the information on consumer reports. Despite the numerous disputes submitted, the negative information remains on my credit report, and I have not been provided with any credible evidence that the inaccuracies have been investigated and corrected as required by law.

5. Failure to Provide Notice of Inaccuracies and Timely Resolution ( 15 U.S.C. 1681c ( c ) ) I have also been subjected to delays in receiving proper notification of my credit report results and any updates related to the accuracy of the disputed information. This has further harmed my ability to address and resolve issues in a timely manner. 



Request for Resolution : I respectfully request that the CFPB investigate these violations of the FCRA and take appropriate action against Experian and any other involved parties. 

I ask that Experian be required to conduct a proper, thorough, and timely investigation of all disputed items on my credit report and that any inaccuracies be corrected immediately. 

I also request that Experian provide me with clear documentation of any actions taken, including the investigation results and any communication with the furnisher ( s ) of the inaccurate information. 

accounts are XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX