Consumer complaint received 2025-01-19 00:00:00
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.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX 
Re : Request for Verification of Credit Report Information To Whom It May Concern, I am writing to formally request clarification on the methods used by your agency to verify the accuracy of the information reported on my credit report. Specifically, I am concerned about the procedures employed to ensure compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that all information included in a credit report must be accurate, complete, and verifiable. 
As per FCRA Section 611, I understand that when a consumer disputes an item on their credit report, the credit reporting agency is required to conduct a reasonable investigation into the disputed information. In light of this, I request that you provide me with the following information regarding the verification process : The specific procedures used to verify the disputed information. 
The parties involved in the verification process ( e.g., the original creditor, third-party vendors, etc. ). 
Any supporting documentation or evidence that was reviewed during the investigation. 
The steps taken to ensure that the verification process adhered to FCRA guidelines and maintained accuracy. 
Additionally, I would like to draw your attention to the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian and XXXX. The lawsuit alleges that both companies failed to conduct proper investigations into disputes and did not adhere to FCRA requirements when verifying information on consumer credit reports. Given these legal concerns, I am particularly interested in understanding how your agency ensures compliance with these standards and guarantees the integrity of the information reported on my credit file. 
Please provide a detailed response within the time frame specified by the FCRA. I trust that you will take the necessary steps to ensure that my credit report is thoroughly reviewed and any inaccuracies are corrected as required by law. Please provide results to the following accounts that were previously disputed : XXXX, late payment on account number XXXX XXXX XXXX  account was removed from XXXX but still showing on my report. Account number XXXX  amount XXXX XXXX XXXX, account was removed from XXXX but still showing on my report. Account number XXXX  amount XXXX XXXX XXXX  account was removed from XXXX  but still showing on my report. Account number XXXX amount XXXX XXXX late payments on account number XXXX If these can not be provided, please remove accounts from my credit report now.Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, 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