Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to formally file a complaint against Experian Credit Bureau for their failure to adequately investigate a dispute I raised concerning my credit report, and their subsequent denial of my attempts to address this inaccurate reporting. I believe that Experian 's actions violate several provisions of the Fair Credit Reporting Act ( FCRA ). 

Summary of Issues : 1. Failure to Properly Investigate Dispute : I filed a dispute with Experian several times regarding the following account : Account info Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$11000.00} Account info Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$18000.00} I have never been late paying this account and this account has never been in collections. 

Despite my efforts to provide relevant information, Experian failed to conduct a thorough and proper investigation. 

2. Failure to Provide Verification Documents : In accordance with FCRA, upon disputing a particular debt, I have the right to request and receive documents that the credit bureau uses to verify said debt. I made this request in writing several times since XX/XX/XXXX, but as of XX/XX/XXXX, Experian has not provided these documents. 

3. Denial of Continuation of Dispute Process : Despite the discrepancies in my report, Experian has denied my attempts to further dispute the inaccurate credit reporting. This has not only affected my credit score but also potentially limits my financial opportunities. 

Violations of Fair Credit Reporting Act : 1. Section 611 ( a ) ( 1 ) : This section mandates that upon the receipt of a dispute, the credit reporting agency must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' Given my experience, I believe Experian did not comply with this requirement. 

2. Section 611 ( a ) ( 2 ) ( A ) : Following a dispute, credit reporting agencies are required to provide notice of the results of the investigation to the consumer. I was not adequately informed of the specifics of their investigation or the reasons for their conclusions. 

3. Section 611 ( a ) ( 6 ) : This section emphasizes that a consumer has the right to add a statement to their file disputing the accuracy or completeness of the information. Experian 's denial of my continuous attempts to dispute violates this provision. 

4. Section 609 ( a ) ( 1 ) : This section asserts that if a consumer requests information on them held by a credit bureau, the bureau must disclose it. Experian 's failure to provide me with the requested verification documents contravenes this provision. 

I urge the Consumer Financial Protection Bureau to investigate these matters and ensure that Experian abides by the laws set forth by the FCRA. This is crucial not just for my personal interests, but to ensure the integrity of the credit reporting process for all consumers.

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