Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB and Experian, I am writing to formally dispute inaccurate and incomplete information currently being reported on my credit file by Experian. I have identified the below inaccurate, and I request an immediate investigation and correction of these errors in compliance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ).

Inaccurate Accounts : XXXX ( Account- XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance : $ XXXX ) XXXX XXXX XXXX ( Balance : $ XXXX ) Account open in XXXX XXXX XXXX XXXX ( XXXX ) Account opened in XXXX Collections : XXXX XXXX XXXX ( Balance : $ XXXX ) According to the recent lawsuit filed by the CFPB against Experian ( Case Number : XXXX ), Experian has been found to violate its obligations under the FCRA and CFPA in multiple ways, including but not limited to : 1. Failing to conduct reasonable reinvestigations of consumer disputes as required by 15 U.S.C. 1681i.

2. Failing to forward all relevant dispute information and documentation to furnishers.

3. Providing consumers with confusing, ambiguous, and inadequate responses regarding dispute outcomes.

4. Failing to ensure maximum possible accuracy of information in consumer reports, as required under 15 U.S.C. 1681e ( b ).

These systemic failures directly impact consumers like me, as these inaccuracies can result in credit denials, higher interest rates, or other financial harm. 

The inaccurate information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX  ( Balance : $ XXXX ) XXXX XXXX XXXX ( Balance : $ XXXX ) Account open in XXXX XXXX XXXX XXXX ( XXXX ) Account opened in XXXX XXXX ( Account- XXXX ) XXXX XXXX, XXXX ( Balance : $ XXXX ) Under the FCRA, Experian is required to : - Conduct a reasonable reinvestigation of my dispute within 30 days of receipt.

- Notify the furnisher of the information and provide them with all relevant dispute documentation.

- Correct or delete any inaccurate, incomplete, or unverifiable information.

In addition, I request that Experian comply with its obligations under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) and ensure that any deleted information is not reinserted into my credit file without proper notice. 

If Experian fails to meet these obligations or rectify this issue, I will escalate my complaint and may pursue legal remedies under the FCRA and CFPA. 

CFPB, I request that your office investigate Experians handling of my dispute, as their failure to comply with federal law indicates a pattern of systemic noncompliance. 

Please confirm receipt of this dispute letter and provide updates on your investigation and resolution within the timeline required by law. 

Thank you for your prompt attention to this matter

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