Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I am writing to express my disappointment and concern regarding the lack of response from Experian regarding my recent dispute. As a consumer, I am entitled to certain rights under the Fair Credit Reporting Act ( FCRA ), and I would like to bring this matter to your attention. 

On XX/XX/2023, I submitted a formal dispute to Experian through the CFPB portal regarding inaccurate information on my Experian credit report. The dispute was initiated in accordance with the FCRA, which mandates that consumer reporting agencies investigate and respond to disputes within a reasonable timeframe of 30 days. 

However, despite the expiration of this timeframe, I have yet to receive any communication or response from Experian regarding resolving my dispute. This failure to respond is both frustrating and concerning, as it hinders my ability to rectify any inaccuracies in my credit report and protect my rights as a consumer. 

As per the FCRA, I would like to assert my rights, which include : The right to have inaccurate information corrected : It is crucial that any inaccurate or incomplete information on my credit report is promptly investigated and corrected. 

The right to a timely response : The FCRA mandates that consumer reporting agencies respond to disputes within a reasonable period, which has already been exceeded in this case. 

The right to a free copy of my credit report : I kindly request that Experian provide me with an updated and free copy of my credit report, reflecting any corrections made after the completion of the investigation. 

The right to seek legal recourse : If Experian neglects its obligation to investigate and respond to my dispute, I reserve the right to seek legal remedies available under the FCRA and any applicable state laws. 

Please consider this letter as a formal complaint and a request for action. I trust that Experian, as a reputable consumer reporting agency, will take swift action to address my concerns and ensure that my rights as a consumer are protected. I look forward to your prompt response and a resolution to this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Complaint submitted with attachments on XX/XX/2023 through the CFPB Portal I have multiple times requested additional information for Experian regarding accounts on my credit report. I have sent at least 4 letters over the last several months and continue to receive what appears to be auto-generated responses. My credit report lists accounts I don't believe are mine or I don't believe I was ever late. I have requested proof of account ownership or proof that I was late in all of my communication. I have not received any documentation from Experian or the creditor in question. If no one can provide documentation, shouldn't those accounts be deleted? The accounts in question : XXXX XXXX XXXX - XXXX never late and reports correctly on XXXX, XXXX  - XXXX never late and reports correctly on XXXX, XXXXXXXX XXXX XXXX XXXX XXXX never late and reports correctly on XXXXXXXX XXXX - XXXX does not belong to me, XXXX XXXX  XXXX never late and reports correctly on XXXX XXXX XXXXXXXX XXXX XXXX - XXXX I have no balance on this account XXXX XXXX XXXX never late and reports correctly on XXXX XXXX I have a record of multiple disputes on file with Experian. I see them under my Experian account online.