Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am filing this complaint against Experian for failing to properly respond to my dispute and for engaging in practices that violate the Fair Credit Reporting Act ( FCRA ). Experian has mishandled my dispute, failed to provide the legally required information, and delayed resolution, causing harm to my creditworthiness and financial well-being. 

Summary of Issues Failure to Respond in a Timely Manner : On XX/XX/XXXX, I sent an initial dispute letter to Experian. They failed to respond with the results of their investigation within the XXXX period mandated by the FCRA. 

Failure to Comply with a Demand Letter : On XX/XX/XXXX, I sent a Demand to Comply letter due to Experians failure to resolve my dispute. 

Inadequate Verification and Lack of Evidence : On XX/XX/XXXX, Experian sent a letter claiming the disputed accounts were verified but failed to provide specific details or proof regarding how the accounts were verified. 

On XX/XX/XXXX, Experian sent dispute results again stating that the accounts were verified but, once again, did not provide the required evidence or explanation of the verification process. 

These actions clearly demonstrate Experians bad-faith efforts to delay resolution and avoid addressing the inaccuracies in my credit file. 

FCRA Violations Experians actions violate several provisions of the FCRA, including but not limited to : 611 ( a ) ( 1 ) ( A ) : Duty to Investigate Disputes : Experian failed to conduct a reasonable investigation within the XXXX period as required by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Notification of Results of Reinvestigation : Experian provided no substantive explanation or documentation supporting their claim that the accounts were verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Disclosure of Process : Experian did not provide details about the method or steps taken to verify the disputed accounts. 

XXXX XXXX XXXX XXXX : Duty to Maintain Accurate Information : Experian has failed to ensure maximum possible accuracy in my credit file by retaining inaccurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Timely Communication with Creditors : The delayed responses and lack of verification indicate Experian did not communicate with creditors in a timely and effective manner. 

Damages and Legal Remedies Under the FCRA Should litigation become necessary, I will seek the following damages as allowed under the FCRA : Statutory Damages : Up to {$1000.00} per violation for Experians willful noncompliance under XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Actual Damages : Compensation for financial harm, emotional distress, and damage to my creditworthiness caused by the inaccurate information and Experians failure to act. 

Punitive Damages : Additional damages for willful and egregious violations under XXXX ( a ) ( XXXX ). 

Costs and Attorneys Fees : Full recovery of all legal costs and attorneys fees under XXXX ( a ). 

Demand for Immediate Action I demand that Experian : Immediately remove the following disputed accounts : XXXX. Account Name : XXXX XXXX XXXX ( dba XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Comply with their obligations under the FCRA to ensure maximum possible accuracy. 
Respond with confirmation of removal of accounts within XXXX days of receiving this complaint. 

Notice of Intent to Litigate If Experian fails to comply with these demands within XXXX days, I will have no choice but to initiate legal proceedings to enforce my rights under the FCRA. This includes seeking all damages outlined above. 

I trust that the CFPB will take swift action to ensure Experians compliance with federal law. Please do not hesitate to contact me if additional information or documentation is needed. 

Sincerely, XXXX XXXX XXXX ( 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