Consumer complaint received 2025-01-12 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report maintained by Experian. The specific details of the disputed item are as follows : Nature of Dispute : The account ( XXXX ) are being inaccurately reported as [ specific inaccuracy, e.g., a late payment for [ date ], incorrect balance, or account status ]. 
The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies like Experian to maintain accurate credit reports and conduct reasonable investigations/re-investigations into disputes regarding inaccuracies. Based on the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, Experian has repeatedly failed to comply with its obligations under the FCRA and has engaged in unlawful practices that are harming my credit report. Relevant Case Law and Legal Precedents XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : Experian is obligated to conduct a reasonable reinvestigation of disputed information. The CFPB lawsuit highlights that Experian conducts sham investigations by : Failing to adequately process and investigate disputes. 
Routinely accepting the data furnishers response, even when it is illogical or contradicted by consumer-submitted evidence. 

XXXX. Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) : Experian must maintain reasonable procedures to ensure maximum possible accuracy in consumer reports. Experian violated this by : Improperly reinserting inaccurate information into my credit report without verifying its accuracy. 
Failing to implement basic safeguards to prevent reappearances of previously disputed and deleted information under new furnishers. 

XXXX. Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ) : Experian is required to provide consumers with clear, accurate results of its investigations. However, Experian is issuing me confusing and ambiguous investigation notices that fail to explain the basis of the decision or the evidence reviewed. 

XXXX. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Experians actions constitute unfair acts or practices, including : Using flawed dispute intake processes that ignore or misrepresent consumer-submitted documentation. 
Allowing furnishers to dominate the dispute process, even when the information is demonstrably incorrect. 

Request for Resolution In light of the above, I demand that Experian : XXXX. Conduct a proper and reasonable investigation into my disputes, Delete and Remove the disputed unverifiable items, fully incorporate all submitted evidence, and ensure compliance with FCRA standards. 
XXXX. Notify me of the investigation outcome in a clear, accurate, and timely manner, detailing the steps taken and evidence reviewed. 
XXXX. Immediately correct or remove the inaccurate information from my credit report. 

Failure to address this matter appropriately violates my rights under the FCRA and CFPA, as well as Experians obligations as a consumer reporting agency. I reserve the right to escalate this matter, including filing complaints with the CFPB and pursuing additional legal remedies if necessary. Please provide a written response to this dispute within the legally mandated timeframe under the FCRA.

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