Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX Subject : Dispute of Inaccurate Information in Credit Report Consumer Report Dispute Reference : Dear Experian, I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). Experian due to several violations related to its failure to reasonably reinvestigate disputes and ensure the accuracy of consumer information. 
Here as follows are items in error : XXXX. XXXX XXXX XXXX Under 15 US Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting XXXX accuracy As a consumer by law this account must be deleted immediately XXXX. XXXX Under 15 US Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting XXXX accuracy As a consumer by law this account must be deleted immediately XXXX. XXXX  XXXX Bankruptcy Under 15 US Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting XXXX accuracy As a consumer by law this account must be deleted immediately XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX ) Unauthorized As a consumer by law this account must be deleted immediately XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX ) Unauthorized As a consumer by law this account must be deleted immediately XXXX. XXXX  Date of Inquiry : XX/XX/XXXX ) Unauthorized As a consumer by law this account must be deleted immediately XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ) Unauthorized As a consumer by law this account must be deleted immediately XXXX. XXXX Date of Inquiry : XX/XX/XXXX ) Unauthorized As a consumer by law this account must be deleted immediately XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX ) Unauthorized As a consumer by law this account must be deleted immediately XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ) Unauthorized As a consumer by law this account must be deleted immediately XXXX. XXXX Date of Inquiry : XX/XX/XXXX ) Unauthorized As a consumer by law this account must be deleted immediately XXXX. XXXX Date of Inquiry : XX/XX/XXXX ) Unauthorized As a consumer by law this account must be deleted immediately XXXX. XXXX XXXX XXXX XXXX - {$92.00} not my account Under 15 US Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting XXXX accuracy As a consumer by law this account must be deleted immediately XXXX. ADDRESS INCORRECT : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Under 15 US Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting XXXX accuracy As a consumer by law this account must be deleted immediately XXXX. ADDRESS INCORRECT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Under 15 US Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting XXXX accuracy As a consumer by law this account must be deleted immediately XXXX. Employment Information Incorrect : XXXX XXXX  Under 15 US Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting XXXX accuracy As a consumer by law this account must be deleted immediately XXXX. Employment Information Incorrect : XXXX XXXX Under 15 US Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting XXXX accuracy As a consumer by law this account must be deleted immediately I would like to bring to your attention the following concerns, which I believe to be in violation of the FCRA : Failure to Conduct Reasonable Reinvestigation : Under 15 U.S.C. 1681i ( a ), when I dispute information in my credit report, Experian is required to conduct a reasonable reinvestigation into the accuracy of the information. It appears that Experian did not fully reinvestigate the disputed items and failed to properly resolve the discrepancies in my report. 
Inaccurate or Incomplete Reporting : As per 15 U.S.C. 1681e ( b ), Experian is required to use reasonable procedures to ensure that the information in consumer reports is as accurate as possible. The disputed account contains inaccuracies that were not properly corrected, and as a result, I believe my credit report is incomplete and misleading. 
Failure to Provide Adequate Notice of Results : According to 15 U.S.C. 1681i ( a ) ( 6 ), I should have received a clear, written notice of the results of the reinvestigation. However, the notice I received was confusing, ambiguous, and internally inconsistent, leaving me with unclear information about the dispute 's outcome. 
Failure to Provide Relevant Information to Furnishers : I am aware that Experian 's intake procedures fail to accurately convey all relevant information to the furnishers of the disputed information, including documentation that I may have submitted to support my dispute. This results in inadequate or incorrect reinvestigations. 
Unfair Practices in Dispute Resolution : The FCRA and CFPA prohibit unfair or deceptive practices in the resolution of disputes. Experian 's failure to provide proper investigation results, its reliance on incomplete or inaccurate responses from furnishers, and its refusal to properly address hard inquiry disputes constitute violations of the CFPAs prohibition on unfair acts and practices ( 12 U.S.C. 5531 ( c ) ( 1 ) ). 
Given these violations, I respectfully request the following : A full reinvestigation of the disputed information as outlined in the FCRA. 
A clear and accurate response regarding the outcome of this reinvestigation within the statutory 30-day period, in compliance with 15 U.S.C. 1681i ( a ) ( 6 ). 
A correction or removal of any inaccurate or unverifiable information found in my report as per 15 U.S.C. 1681i ( a ) ( 5 ). 
Documentation of the investigation process, including all evidence reviewed and any communication with furnishers. 
Please treat this letter as my formal dispute under the FCRA and the CFPA and ensure that all applicable legal requirements are met in resolving this issue. 
I expect to receive a written response confirming the results of your reinvestigation, as required by law. If you fail to resolve this matter in accordance with the FCRA and CFPA, I will consider further action to protect my legal rights. 
Thank you for your immediate attention to this matter. 
Sincerely, 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