Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Subject : Complaint Regarding Experian 's Handling of Dispute Investigation Im writing to file a formal complaint against Experian regarding their handling of a recent dispute investigation related to my credit information. The purpose of this complaint is to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in ensuring that Experian conducts a proper and thorough investigation in accordance with the Federal Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I submitted a dispute to Experian regarding certain items of information in my credit file. I included supporting documentation such as my bank statement and a copy of my social security card to verify my identity However, I recently received an email response from Experian indicating that the dispute request did not appear to have been sent directly by me or to be authorized by me. This is not accurate, as the dispute was indeed submitted by me directly. 

In light of this, I am concerned that Experian is stalling on investigating my dispute and taking the necessary actions to verify the accuracy of the information in accordance with the FCRA. I firmly believe that my dispute is valid and that Experian should be obligated to investigate it thoroughly and in a timely manner. 

As outlined in the FCRA, if a consumer disputes the completeness or accuracy of any information in their credit file and notifies the credit reporting company directly, the company is mandated to reinvestigate the dispute at no charge to the consumer. I am therefore requesting that the Consumer Financial Protection Bureau intervene in this matter and ensure that Experian fulfills its legal obligation to conduct a proper investigation. 

Furthermore, I kindly request that Experian be required to adhere to the guidelines set forth in the FCRA, the Federal Communications Commission ( FCC ), and the Consumer Financial Protection Bureau ( CFPB ) in regards to investigating consumer disputes. If Experian is unable to verify the accuracy of the disputed information as per the FCRA, I request that the company be mandated to delete the accounts in question from my credit report. 

I understand that Experian has provided a phone number ( XXXX ) and a secure website ( www.experian.com/dispute ) for disputing inaccurate information. However, despite following the proper procedures and providing the necessary documentation, I have encountered unnecessary obstacles in having my dispute properly investigated. 

I kindly urge the Consumer Financial Protection Bureau to intervene in this matter, ensure that Experian complies with the FCRA, FCC, and CFPB guidelines, and take appropriate action to resolve this dispute in a fair and accurate manner. 

Thank you for your attention to this matter.

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