Consumer complaint received 2025-04-09 00:00:00
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.
State: OH

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OHIO XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate and Negative Information Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Immediate Deletion Demanded To Whom It May Concern, I am formally disputing the accuracy and validity of several negative entries listed on my Experian credit report. These entries are inaccurate, outdated, or unverifiable, and I demand immediate deletion in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 
Background On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) ordered Experian to pay a {$3.00} XXXX fine after it was found that your company misled consumers by marketing credit scores that were not used by lenders, in violation of the CFPBs prohibition against deceptive practices. 
( Source : XXXX XXXX " CFPB fines Experian $ XXXX for credit score marketing '' ) This enforcement action calls Experians practices and transparency into question, and further validates consumer concerns regarding the integrity of Experians reporting and investigation procedures. 
Disputed Accounts XXXX. XXXX  ACCOUNT # XXXX XXXX. XXXX  ACCOUNT # XXXX XXXX. XXXX  ACCOUNT # XXXX XXXX. XXXX  ACCOUNT # XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX  ACCOUNT # XXXX - Requested Action : Permanent deletion due to inaccurate reporting and failure to meet FCRA standards. 
- Issue : [ e

.g., Collection account with no original creditor or proper validation. ] - Requested Action : Immediate deletion due to lack of proper verification as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Legal Basis According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation when a consumer disputes any information on their file. Failure to remove unverifiable, inaccurate, or outdated information is a willful violation of federal law, subject to damages. 
Additionally, any information that can not be verified within the statutory timeframe ( 30 days ) must be deleted from my file. I demand that Experian comply with this federal requirement without delay. 
-- - CFPB Complaint Filed Due to the severity of this issue and the patterns of misconduct already documented by federal authorities, I have also submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Experians failure to maintain accurate consumer files and its past record of misleading practices. 

Demand for Action I am demanding the following : 1. Immediate reinvestigation of all disputed entries.

2. Permanent deletion of all unverifiable and inaccurate information.

3. An updated and corrected copy of my credit report.

4. A written statement detailing your findings and actions taken. 
You are obligated to complete this investigation within 30 days of receipt, or the disputed items must be deleted under FCRA law. 
-- - Enclosures - Copy of my drivers license ( for identity verification ) - Recent utility bill or proof of address Thank you for your immediate attention to this matter. I expect full compliance with federal law. 
Sincerely, XXXX XXXXXXXX XXXX  Complaint Title : Experian Reporting Inaccurate/Unverified Negative Items Failure to Investigate Per FCRA Complaint Description : I am filing a formal complaint against Experian for failing to maintain accurate, fair, and verifiable information on my credit report. I submitted a detailed dispute regarding several inaccurate and unverifiable negative entries. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Experian is required to conduct a reasonable investigation and remove any unverifiable or inaccurate information within 30 days. 
In addition to these violations, Experian has a documented history of misleading practices. Specifically, on XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Experian {$3.00} XXXX for misleading consumers by marketing credit scores that were not used by lenders. This prior enforcement action is evidence of Experians pattern of misrepresentation and failure to ensure accurate reporting. 
I am requesting the CFPB to investigate Experian for : Failure to properly investigate disputed accounts Continued reporting of negative items without sufficient verification Violation of FCRA 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ) Prior deceptive practices confirmed by CFPB enforcement These inaccurate entries are negatively impacting my creditworthiness and financial well-being. I request your assistance in holding Experian accountable and ensuring compliance with federal consumer protection laws. 
XXXX  Resolution Requested : Immediate deletion of all unverifiable and inaccurate negative information Full reinvestigation of all disputed items Confirmation of compliance with FCRA Enforcement action if Experian is found in violation again SINSERLY, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation