Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Violation of FCRA Guidelines by Credit Reporting Bureaus Date of Initial Dispute : XXXX  Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the consumer Experian for their ongoing violation of the Fair Credit Reporting Act ( FCRA ) guidelines in handling my dispute regarding collection and charge-off accounts on my credit report. Despite my initial dispute letter sent on XX/XX/, the credit reporting bureaus have failed to adhere to the requirements outlined in the FCRA and continue to report these disputed accounts inaccurately. 
In accordance with the FCRA Section 611 ( a ) ( 5 ) ( A ), I had previously requested the credit reporting bureaus to conduct a thorough investigation and provide me with evidence validating the accuracy of the reported collection and charge-off accounts. Regrettably, their response did not include any supporting documentation or evidence to substantiate the presence of these negative entries on my credit report. This lack of evidence raises serious doubts about the legitimacy and accuracy of these derogatory items. 
As a responsible consumer, I have taken all necessary steps outlined by the FCRA to initiate a proper dispute, and yet, the credit reporting bureaus have not fulfilled their obligations under the law. Their failure to comply with the FCRA guidelines is evident, and I strongly believe that this constitutes a violation of my consumer rights. 
I hereby request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes appropriate action against the credit reporting bureaus involved. I urge the Bureau to enforce the FCRA guidelines rigorously to protect consumers like myself from unfair and inaccurate credit reporting practices. 

Moreover, I am exercising my rights under the FCRA to demand the complete and immediate deletion of all collection and charge-off accounts in question from my credit report. Without verifiable evidence supporting these negative entries, I have strong grounds to assert that these accounts are inaccurately reported and should not be affecting my creditworthiness. The accounts are as follows : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$1.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX understand that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Therefore, I expect a swift and comprehensive investigation into this matter, followed by a detailed response containing the evidence, if any, supporting the accuracy of these derogatory marks. 
Failure to comply with my request and the FCRA guidelines will leave me with no option but to pursue legal remedies to rectify this issue. I believe that resolving this matter amicably is in the best interest of all parties involved, and I sincerely hope it will not come to that. 
Please acknowledge receipt of this letter and initiate the investigation as required by law. Enclosed with this letter are copies of my initial dispute letter, their response ( or lack thereof ), and any other relevant documents pertaining to this dispute. 
Thank you for your attention to this matter, and I trust that you will act responsibly and promptly to address my concerns. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Copies of Initial Dispute Letter, Credit Reporting Bureau 's Response ( there is none ), drivers license, copy of bank statement.

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