Consumer complaint received 2025-01-14 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: SC

Complaint narrative:
To Whom It May Concern : I am writing to formally file a complaint against Experian for its repeated violations of the Fair Credit Reporting Act ( FCRA ) regarding its failure to properly investigate and address consumer disputes. My complaint is grounded in the following issues, which are supported by the CFPBs recent allegations against Experian for conducting sham investigations.

Summary of Complaint : Failure to Address Disputes Properly : Despite contacting Experian eight separate times via mailed letters ( sent on the following dates : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and XX/XX/year> ), my disputes regarding inaccurate items on my credit report have been either verified without justification or ignored. 
Experian has consistently relied on the responses of furnishers without critically examining their accuracy, even when the responses were illogical or contradicted existing evidence. 

Sham Investigations : Experian uses faulty intake procedures that fail to convey all relevant information about disputes to the original furnisher. 
At the conclusion of their so-called investigations, Experian issues confusing and ambiguous notices that fail to inform me of the actual results. 

Accounts in Dispute : The following accounts are inaccurate or outdated and remain on my credit file despite my disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian 's Response : In response to my CFPB complaint filed on XX/XX/year> ( Complaint Number : XXXX ), Experian claimed that the information provided by the data furnishers was verified as accurate. However, no substantial evidence of verification was provided. 
The company failed to take adequate steps to ensure compliance with the FCRAs requirement for maximum possible accuracy and completeness in reporting. 
Violations of the FCRA : Experian 's actionsor lack thereofviolate several provisions of the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) : Reliance on inaccurate or unreliable information provided by furnishers. 

Request for Relief : I respectfully request the CFPB to take the following actions : Investigate Experian 's practices to determine whether they comply with federal law.

Require Experian to immediately remove the disputed accounts from my credit report. 
Impose appropriate penalties on Experian for their failure to comply with the FCRA. 
Ensure that Experian implements stronger consumer dispute procedures that are in compliance with FCRA requirements. 
I have attached copies of all correspondence with Experian, including my dispute letters and their responses. Please feel free to contact me for any additional information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX, XXXX. 
Address : XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : XXXX Email : 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