Consumer complaint received 2024-02-22
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. (CA)

Formal Complaint Regarding Experian 's Failure to Comply with FCRA and Metro 2 Guidelines Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Experian concerning their handling of the dispute resolution process for my credit report. Despite repeated attempts to rectify inaccuracies within my credit history, Experian has displayed a flagrant disregard for the provisions outlined in the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. The blatant disregard for consumer rights and the lack of accountability exhibited by Experian has left me deeply frustrated and disillusioned with their services. 

On XXXX, XXXX, XXXX and XXXX I submitted three separate disputes concerning the following accounts detailed in my credit report : * XXXXXXXX XXXX XXXXXXXX Account # XXXX ( see attached image as well below ) * XXXX XXXX  Account # XXXX attached image as well below ) * XXXX XXXX Account # XXXX attached image as well below ) These disputes were filed under Report # XXXX and XXXX XXXX XXXX. Despite acknowledging receipt of my disputes, Experian failed to adhere to fundamental principles outlined in the FCRA and Metro 2 guidelines, including : * Failure to Provide Method of Investigation : Despite my persistent requests, Experian neglected to furnish me with details regarding the methodology employed during their investigation process. As a consumer vested with rights under Section 611 of the FCRA, this absence of transparency is both disconcerting and unacceptable. 
* Failure to Provide Supporting Documentation : On numerous occasions, I implored Experian to furnish me with supporting documentation substantiating the accuracy of the disputed information. The denial of access to such vital documentation represents a grave violation of Section 611 of the FCRA, thereby undermining the integrity of the dispute resolution process. 
* Misrepresentation of Investigation Results : Experian proceeded to append updates to my credit report that flagrantly diverged from the information I had explicitly contested. This gross misrepresentation underscores Experian 's failure to conduct comprehensive and accurate investigations, thereby exacerbating the severity of their transgressions. 
* Lack of Compliance with Metro 2 Guidelines : Experian 's persistent failure to uphold the principles of accurate and timely reporting, as mandated by Metro 2 guidelines, only serves to compound the gravity of their infractions. 

In light of Experian 's repeated breaches of regulatory obligations and their apparent indifference towards consumer welfare, I demand the following actions : Expected Outcome : I expect Experian to promptly undertake the following corrective measures : * The immediate removal of the aforementioned disputed accounts from my credit report, owing to their inherent inaccuracies and Experian 's failure to provide requisite documentation. 
* The provision of a comprehensive written explanation delineating the methodological framework employed during the investigation of each dispute. 
* The furnishing of all pertinent supporting documentation utilized during the investigation of each dispute. 
* The implementation of robust measures to ensure steadfast compliance with FCRA and Metro 2 guidelines in all future dispute resolutions. 

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter, thereby affording me the redress and restitution to which I am entitled as a consumer. I eagerly await your prompt intervention and the restoration of integrity within the credit reporting framework. 

Sincerely, XXXX XXXX