Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

Dear Consumer Financial Protection Bureau, I am writing to express my profound dissatisfaction and concern regarding Experian 's handling of my recent credit report dispute, submitted on XX/XX/XXXX ( XXXX ) and a prior letter on XX/XX/XXXX. Despite the clear mandates of the Fair Credit Reporting Act ( FCRA ) - specifically sections 15 U.S. Code 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ) - which require prompt investigation and response to disputes, my experience has been marred by delays and a lack of substantive communication. Experian also has not respond to CFPB # XXXX. 

Following my dispute submission, I received what can only be described as a 2nd stall letter from Experian. This correspondence lacked any meaningful update on the status of my dispute, directly contravening the FCRA 's stipulation for a timely investigation process. It has come to my attention through a CFPB report that Experian may be employing automated systems to issue such non-responsive letters, presumably to divert consumers towards online dispute resolution methods. This practice, while technologically modern, does not absolve Experian of its legal obligations to consumers like myself. Reference to the report can be found here : CFPB Report on Credit Reporting Agencies. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-issues-report-on-transunion-experian-a nd-equifax/ The FCRA mandates a 30-day window for credit reporting agencies to investigate disputes and provide a response. The lack of compliance not only hinders my financial well-being but also raises questions about the efficacy and integrity of Experian 's dispute resolution process. I urgently request that Experian be directed to : Remove those accounts or immediately proceed with a thorough investigation of my dispute. 
Provide a detailed progress report on the investigation without undue delay. 
Clarify the procedures employed to ensure the accuracy and completeness of credit report information, as per my rights under the FCRA. 

I draw your attention to precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, where courts have ruled against credit bureaus for failing to fulfill their investigative obligations under the FCRA. These cases underscore the potential legal ramifications of neglecting consumer disputes. 

In light of these concerns, I demand that Experian adhere to the FCRA 's requirements by removing those accounts or not only conducting a proper and timely investigation but also by providing a comprehensive explanation of their investigative procedures within 15 days, as stipulated by the law. 

Failure to address these issues promptly will compel me to consider further action to ensure compliance and accountability. I trust that the CFPB will take my concerns seriously and facilitate a resolution that respects my rights and the legal obligations of Experian. 

Thank you for your attention to this matter. I look forward to your swift response and intervention.