Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Consumer Financial Protection Bureau Complaint Subject : Violation of Fair Credit Reporting Act ( FCRA ) by Experian Complaint Details : Consumer : XXXX XXXX Residential Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Summary : I am filing this complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, regarding my request for a dispute reinvestigation. Despite my submission of a dispute reinvestigation request, including proof of delivery via priority shipping, Experian has neither conducted the required reinvestigation nor marked the disputed items as under dispute. Instead, they only sent me a credit report stating that items had been disputed before, without providing any method of verification or proof of reinvestigation. Not a single method of verification document as requested in the reinvestigation was done. 

Detailed Complaint : On XX/XX/2024, I sent a formal request for a dispute reinvestigation to Experian, which they received 30 days ago. In my request, I clearly stated my disagreement with the listed items and requested a modification or deletion of the disputed accounts, as required by law under 15 U.S. Code 1681i. I also requested a description of how each account was verified during the reinvestigation process. 

Experian has failed to : 1. Conduct a reinvestigation within the 30-day timeframe as mandated by 15 U.S. Code 1681i.

2. Mark the disputed items as under dispute on my credit report.

3. Provide me with a description of the verification process and documentation as required by law.

4. Ensure the accuracy of the information in my credit report per 15 U.S. Code 1681e. 

List of Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Violations : 15 U.S. Code 1681i : Failure to conduct a timely reinvestigation.

15 U.S. Code 1681e : Failure to ensure the accuracy of the information.

Failure to mark items as disputed and to provide verification documentation.

Requested Resolution : I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to enforce compliance with the FCRA by Experian. Specifically, I request the following : 1. Immediate deletion of all disputed items from my credit report.

2. Assurance that Experian complies with all future requests for dispute reinvestigation within the required legal timeframe.

3. Provision of verification documentation and a description of the reinvestigation process for each disputed item.

Attachments : Copy of the original dispute reinvestigation request sent to Experian.

Proof of delivery of the dispute reinvestigation request.

Conclusion : Experian 's failure to comply with the FCRA has caused significant stress and potential financial harm. I urge the CFPB to address these violations promptly to ensure that my credit report is accurate and that Experian adheres to their legal obligations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX