Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Dear CFPB, I am writing to file a formal complaint against Experian due to their failure to remove fraudulent information from my credit report and their inadequate handling of my dispute. Specifically, the fraudulent entry concerns XXXX XXXX  account XXXX  XXXX. This complaint highlights several issues with Experians actions and inactions related to my case. 
Details of the Complaint : 1. Initial Dispute and Documentation : o Date of Initial Dispute : XX/XX/XXXX o Supporting Documentation : I provided Experian with an FTC XXXX XXXX Report ( FTC Report XXXX XXXX ), which clearly identified the XXXX XXXX  account XXXX  XXXX as a result of XXXX XXXX. 
2. Follow-Up Actions and Communication Issues : o Date of Follow-Up Dispute : XX/XX/XXXX o Despite re-submitting the FTC XXXX XXXX Report and requesting the removal of the fraudulent entry, Experian has not acted to remove the fraudulent information from my credit report. 
o Communication Attempts : I made multiple phone calls to Experian seeking assistance and updates on my dispute : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX o Each call resulted in inadequate assistance or no meaningful update regarding the status of my dispute. Experian has not provided any substantial help in resolving this matter. 
3. Elapsed Time : o Over 82 days have passed since I initiated the dispute on XX/XX/XXXX, and the fraudulent information remains unresolved on my credit report. 
4. Legal Requirements Not Met : o Federal Law - Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) : Under the FCRA, Experian is required to conduct a reasonable investigation and correct any inaccuracies promptly. The Act mandates that disputed information be investigated and corrected or removed within a reasonable timeframe. 
o Federal Law - XXXX XXXX and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : This Act provides protections for victims of XXXX XXXX, including the removal of fraudulent information from credit reports. 
o XXXX State Law - XXXX XXXX Protection Act ( Act 102 of 2014 ) : This law requires that consumers can dispute fraudulent information and that credit reporting agencies must promptly address and rectify such disputes. 
o FCRA Requirement for XXXX XXXX Victims : Under the FCRA, specifically 15 U.S.C. 1681c-2, Experian has a XXXX timeframe to block and remove fraudulent information from a credit report and to update the furnisher regarding the victim 's XXXX XXXX  status. Experian has failed to meet this requirement. 
Request for CFPB Intervention : Due to Experians failure to resolve this matter and their inadequate customer service, I respectfully request the CFPBs intervention to : 1. Ensure the immediate removal of the fraudulent XXXX XXXX  account XXXX  XXXX from my credit report. 
2. Confirm in writing that the fraudulent entry has been removed and that my credit profile has been updated accordingly. 
3. Ensure compliance with the FCRA and XXXX  state law by holding Experian accountable for their failure to act within the required XXXX timeframe to block and remove fraudulent information. 
Experians inaction and lack of support have caused me significant XXXX  and financial harm. I trust that the CFPB will address this issue promptly and enforce compliance with the relevant state and federal regulations. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX