Consumer complaint received 2024-04-11
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. (MI)

I am writing to file a formal complaint against Experian for its refusal to conduct an investigation on a dispute letter I submitted on XX/XX/2024. This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) due to Experian 's failure to adhere to the regulations outlined in the Fair Credit Reporting Act ( FCRA ). 
On the aforementioned date, I initiated a dispute with Experian regarding negative accounts appearing on my credit report. I provided detailed information outlining the inaccuracies in these accounts, as well as documentation to verify my identity. The documentation included a copy of my Drivers License, a copy of my Social Security Card, and a copy of my proof of address, all of which were submitted in accordance with Experian 's requirements for identity verification. 
Despite providing all necessary information and documentation, Experian has unjustly refused to investigate the disputed accounts. This refusal is a clear violation of the FCRA, which mandates that credit reporting agencies promptly investigate disputed information and correct any inaccuracies. 
I have received a response to my recent correspondence dated XX/XX/2024, in which stated that Experian had not taken any action on my dispute regarding certain items on my credit report due to concerns about the authenticity of the request. Experian response stating We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. It is evident that Experian has failed to conduct a reasonable reinvestigation into the disputed information, as required by the Fair Credit Reporting Act ( FCRA ). 
As a consumer, I rely on accurate credit reporting to make informed financial decisions and safeguard my creditworthiness. The negative accounts in question have the potential to harm my financial standing and opportunities, making it imperative that Experian fulfills its obligations under the FCRA. 
I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that Experian complies with its legal obligations and conducts a thorough investigation into the disputed accounts. I request that the CFPB investigate this matter and take appropriate enforcement action to hold Experian accountable for its non-compliance with the FCRA. 
Additionally, I request that Experian be required to provide a written response to this complaint, acknowledging its receipt and outlining the steps it intends to take to rectify the situation. I also ask that Experian provide a timeline for when the investigation will be initiated and completed. 
I trust that the Consumer Financial Protection Bureau will take the necessary actions to ensure that Experian fulfills its legal obligations and provides me with the accurate credit reporting to which I am entitled.