Consumer complaint received 2025-01-19 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: KS

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report and express my concern that my disputes are not being properly reviewed or reinvestigated, as required under the Fair Credit Reporting Act ( FCRA ). My personal information is as follows Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have submitted disputes regarding incorrect information showing up on my credit report .However, my investigations have shown that Experian is not adequately addressing these issues by failing to : 1. Conduct a reasonable reinvestigation.

2. Forward all relevant information to furnishers.

3. Clearly communicate the outcome of the dispute resolution.

This neglect to comply with the provisions of the FCRA directly impacts my ability to secure fair financial opportunities. I request that Experian thoroughly review my disputes and provide : Confirmation of a comprehensive reinvestigation.

A clear and detailed written response outlining the results of the reinvestigation. 
Assurance that inaccurate or unverifiable information will be removed promptly.

I expect a response within the 30-day timeframe required by law and a resolution that ensures the accuracy of my consumer report. If Experian continues to disregard these obligations, I will explore further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Ok also having Issues with Inconsistent Reporting : I have noticed discrepancies between the information reported by Experian, XXXX, and XXXX on my credit report. These differences have raised significant concerns about the accuracy of the information reported. I am formally requesting that any inaccurate, unverifiable, or outdated information be removed or corrected across all three credit reporting agencies to ensure consistency and accuracy.

Failure to Conduct Proper Investigations : Additionally, I am concerned that previous disputes submitted to your agency have not been properly reviewed. It appears that : 1. Reasonable reinvestigations were not conducted.

2. Relevant information was not forwarded to furnishers for further verification.

3. Inconsistent data remains unaddressed across all agencies.

These issues significantly affect my financial opportunities and violate the rights afforded to me under the FCRA. 

Requested Actions : 1. Conduct a thorough and reasonable reinvestigation of the disputed information.

2. Communicate with the furnishers of the disputed items to verify their accuracy.

3. Remove or correct any inaccurate, unverifiable, or outdated information.

4. Ensure that consistent and accurate information is reflected across all three credit reporting agencies.

5. Provide a detailed written response outlining the results of the investigation.

I expect a response within the legally required 30-day timeframe. If these issues remain unresolved, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or consider further legal action. 

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

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