Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the practices of Experian as outlined in recent actions by the Consumer Financial Protection Bureau ( CFPB ) regarding their failure to properly investigate consumer disputes and the unlawful inclusion of inaccurate information on consumer credit reports. I am deeply concerned about the ramifications of these findings and would like to file a formal dispute regarding how my own consumer dispute with Experian has been handled. 

I have submitted a dispute to Experian in the past, and based on the allegations made by the CFPB, I believe that Experian may have failed to properly investigate and resolve my issue in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I have reason to believe that Experian : Conducted an insufficient or sham investigation into my dispute, failing to adequately address the inaccurate information on my credit report. My dispute was not thoroughly reviewed, and I was not provided with a clear or detailed response from Experian regarding the investigations outcome. 

Improperly reinserted inaccurate information onto my credit report. Despite disputing an item on my report, it has reappeared under a new furnisher, causing confusion and potential damage to my creditworthiness. I do not believe Experian took the necessary precautions to prevent this reinsertion. 

In addition to these specific issues, I am concerned that Experians practices could be violating my rights under the FCRA, as well as the Consumer Financial Protection Act, which prohibits unfair acts or practices by consumer reporting agencies. 

Given the CFPBs ongoing investigation into Experians practices and the harm caused to consumers, including myself, I respectfully request that my case be reviewed and that appropriate actions be taken to ensure the accuracy of my credit report. I seek to have the erroneous information removed permanently and to receive confirmation that my dispute has been handled properly according to the law. 

I formally disputed with Experian, XXXX and XXXX ). The information currently being reported is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it is both incomplete and inaccurate. 

The FCRA mandates that all information furnished to credit reporting agencies must be accurate and complete ( 15 U.S.C. 1681e ( b ) ). This account is not reported in compliance with these requirements, and I am requesting that it be corrected immediately to reflect accurate and complete information. 
To further illustrate the seriousness of these violations, I would like to bring to your attention cases in which Experian has been sued for similar inaccuracies and violations : 1. XXXX v. XXXX, XXXX et al. - Though specific to XXXX, this case highlights the importance of accuracy in reporting, as credit agencies were held accountable for failing to ensure accurate data reporting, leading to damages for the affected individuals. 
2. XXXX v. Experian Information Solutions , Inc. - This case underscored Experians failure to correct inaccuracies despite receiving disputes, resulting in legal consequences. 
XXXX. XXXX XXXX Experian Information Solutions , Inc. - In this case, Experian faced claims for failing to adequately investigate disputes and correct errors, further demonstrating the importance of adhering to FCRA standards. 

My issues were not resolved so please consider this letter a formal dispute request, and I ask for a thorough review of how Experian, XXXX and XXXX processed my dispute. I would appreciate any updates or information regarding the status of this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation