Consumer complaint received 2024-05-27
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. (FL)

I am writing to you once again concerning the XXXX account ( # XXXX ) and the handling of my previous complaint ( CFPB XXXX XXXX. XXXX ). It has come to my attention that the investigation into the alleged re-aging of this account may not have been conducted in accordance with the standards set forth by the Fair Credit Reporting Act ( FCRA ). 

As you are aware, the FCRA mandates that consumer reporting agencies maintain the highest level of accuracy in the credit reports they generate. The Act provides consumers with the right to dispute and have errors corrected promptly. It is my understanding that a recent ruling by the XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc. has affirmed that consumers are entitled to statutory damages for willful noncompliance with the FCRA, without the need to prove actual damages ( 1 ).

Given this precedent, I must insist that Experian provide a detailed account of the investigation process undertaken in response to my complaint. The lack of direct communication with the CFPB and the absence of any results being forwarded to me, as previously requested, is concerning. It suggests a potential oversight or disregard for the required procedures.

I am hereby resubmitting my dispute and expect Experian to perform a thorough and transparent investigation into the inaccuracies reported on my XXXX account. It is imperative that any incorrect information be corrected, and any instance of re-aging be addressed in compliance with the FCRA. 
Subject : Urgent Re-Examination of XXXX Account by Experian Dear Experian, I am writing to address a serious concern regarding XXXX  # XXXX account. On XX/XX/year>, I submitted a complaint through the Consumer Financial Protection Bureau ( CFPB ) XXXX regarding the re-aging of XXXX XXXX XXXXXXXX account. In my complaint, I specifically requested that Experian conduct a thorough investigation into this matter. 

However, I received a response from Experian through the ( CFPB ) indicating that my complaint had been closed and that it would be forwarded to their internal team for investigation. I expected that the investigation results would be communicated directly to the CFPB, but it seems that Experians process bypassed this step. To date, I have not received any information regarding the dispute result, which leads me to believe that Experian did not conduct a proper investigation. 
Furthermore, during my last conversation with ( XXXX XXXX, ) who is handling my case, I explicitly stated my preference to receive all investigation results via mail. and directly to the CFPB This request has not been honored. 
As per the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information. Failure to properly investigate or correct the inaccuracies reported on XXXX account may constitute a violation of the FCRA. 

Additionally, the Credit Report Accuracy Requirements set by the Consumer Financial Protection Bureau ( CFPB ) mandate that consumer reporting companies ensure the accuracy of credit reports. This includes promptly correcting false or fraudulent information sent to consumer reporting companies. 

I am resubmitting my dispute and demanding that Experian take immediate action to investigate my case properly. It is crucial that XXXX account is accurately reflected, and I appreciate your attention to this matter. 

Please find attached detailed documentation supporting my dispute, including a copy of my credit report highlighting all reported errors. I trust that Experian will take immediate and appropriate action to resolve this matter.