Consumer complaint received 2023-02-17
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: Problem with personal statement of dispute

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ) and its implementing regulation, Regulation V. Experian has failed to provide me with complete and accurate information regarding the reinvestigation of my dispute, in violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and Regulation V Section 1022.42 ( a ) ( 1 ) ( i ).

On multiple occasions, I requested that Experian provide me with a more detailed summary of the results of the reinvestigation process for the disputed information related to XXXX ( Report Number is : XXXX ). Despite several requests dating back to XX/XX/2021, Experian has failed to provide me with the requested information. The lack of accurate information has caused significant inconvenience and harm. 

Moreover, Experian violated FCRA Section 611 ( a ) ( 1 ) ( A ) and Regulation V Section 1022.42 ( a ) ( 1 ) ( iii ) by failing to provide me with a list of all documents and information reviewed during the reinvestigation process. I had requested this information to ensure that all relevant information was reviewed, but Experian failed to provide it. 

Additionally, I requested contact information for the data furnisher ( s ) or public records vendor that Experian contacted during the reinvestigation process, as well as any additional information that Experian may have regarding my dispute. However, Experian failed to provide me with this information. 

Furthermore, Experian failed to provide me with evidence of its processes and method of verification, in violation of FCRA Section 611 ( a ) ( 1 ) ( B ) and Regulation V Section 1022.42 ( a ) ( 2 ). Experian informed me that they " asked them to verify the accuracy of the information with which I disagreed and they responded verified that the remaining disputed information was accurate as reported. '' However, Experian did not provide me with any specific information about the verification process. 

Experian 's failure to comply with the FCRA and its implementing regulations has caused significant harm and inconvenience. I am requesting that the CFPB investigate Experian 's actions and impose appropriate penalties as necessary. Additionally, I request that Experian provide me with a detailed explanation of the results of the reinvestigation process, a list of all the documents and information that were reviewed during the process, and the contact information for the data furnisher ( s ) or public records vendor that Experian contacted during the reinvestigation process. I also request evidence of Experian 's processes and method of verification.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

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