Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian Violation of FCRA Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Experian for failing to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my repeated disputes regarding inaccurate and/or unverifiable information on my credit report, Experian has failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ).

Specifically, Experian has violated multiple provisions of the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failing to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 2 ) : Failing to forward consumer-provided evidence to the original furnishers of the disputed information.

15 U.S.C. 1681i ( a ) ( 6 ) : Failing to adequately notify me of the results of the reinvestigation.

15 U.S.C. 1681s-2 ( b ) : Accepting unreliable responses from furnishers without proper verification.

These failures align with the CFPBs recent lawsuit against Experian, which alleges systematic violations of FCRA, including a failure to forward consumer evidence, reliance on unreliable responses from furnishers, and inadequate notification of dispute outcomes. My experience mirrors these issues, as Experian has failed to correct or remove disputed items despite the evidence I provided, causing harm to my credit standing.

Pursuant to 15 U.S.C. 1681n ( civil liability for willful noncompliance ) and 15 U.S.C. 1681o ( civil liability for negligent noncompliance ), I request that the CFPB take immediate enforcement action against Experian to ensure compliance with federal law. Additionally, I seek corrective action to remove or amend the disputed accounts, as Experians inaction directly violates my rights under FCRA. 

Please confirm receipt of this complaint and advise on the next steps for resolution. 


Here are the companies I'm reporting : The incorrect account with XXXX XXXX XXXX XXXX  XXXXthat starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX The dispute for the account with XXXX  XXXX XXXX that starts with XXXX has been received and should be completed by XXXX. 

Source : Experian Date Submitted : XX/XX/year> Estimated Resolution Date : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX None : XXXX The dispute for the account with ONLINE XXXX XXXX that starts with XXXX has been received and should be completed by XXXX. 

Source : Experian Date Submitted : XX/XX/year> Estimated Resolution Date : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX  XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX NC XXXX None : XXXX The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been received and should be completed by XXXX. 

Source : Experian Date Submitted : XX/XX/year> Estimated Resolution Date : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX GA XXXX None : XXXX