Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Consumer Complaint Against Experian for FCRA Violations on Multiple Accounts and Incorrect Personal Information ISSUE : I am filing this complaint against Experian due to their failure to meet obligations under the Fair Credit Reporting Act ( FCRA ) regarding my requests for validation and reinvestigation of multiple accounts, as well as correction of an incorrect name on my credit report. Despite sending multiple written requests, Experian has not responded or provided any legally required documentation or updates on the requested investigations. 
ACCOUNTS IN QUESTION AND INCORRECT NAME : XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Incorrect name : XXXX XXXX ( actual name : XXXX XXXX ) Initial Validation Request - On XX/XX/XXXX, I mailed a letter to Experian requesting validation of these debts, as is my right under the FCRA ( Section 611 ( a ) ( 1 ) ( A ) ), to ensure accuracy and completeness of the reported accounts. I also requested correction of the incorrect name " XXXX XXXX '' listed on my report. Experian did not respond within the legally required timeframe. 
Second Request for Reinvestigation - On XX/XX/XXXX, after receiving no response from Experian, I sent a second letter requesting a reinvestigation into these accounts and correction of my name. Experian again did not respond or provide documentation regarding this request. 
Further Follow-Ups- To ensure compliance with federal law, I mailed additional letters on XX/XX/XXXX, and XX/XX/XXXX, reiterating my requests for validation, reinvestigation, and name correction. Experian has not responded to any of these communications or provided any updates. 
Relevant FCRA Violations : Experian has failed to meet its legal obligations under the FCRA in the following ways : Investigation and Timely Response : Per Section 611 ( a ) ( 1 ) ( A ), Experian is required to investigate disputed information within 30 days ( or 45 days if additional information is provided ). Experian has not responded to my multiple requests within this legally mandated timeline, as the total delay now exceeds four months. 
Notification of Results : Under Section 611 ( a ) ( 6 ), Experian must provide notification of investigation results. The lack of communication regarding both the accounts and the incorrect name represents a failure to comply with this requirement.

Accuracy of Personal Information : In accordance with Section 611 of the FCRA, Experian is required to maintain accurate and complete consumer information, including name corrections. By failing to update my name from XXXX XXXX to my correct name, Experian has compromised the integrity of my report. 

Documentation Provided : For the CFPB 's review, I am enclosing all letters sent to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, along with my identification. These documents demonstrate Experians failure to respond or address my dispute requests and name correction. 

Conclusion : Experians failure to investigate, respond, and update my personal information has violated my rights under the FCRA, impacting the accuracy and fairness of my credit report. I seek the CFPBs assistance in enforcing compliance with federal law and ensuring that my credit profile is promptly corrected.