Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
As of today, I have yet to receive any satisfactory resolution or evidence of a legitimate investigation. Please be advised that under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and correct any errors in my credit file within a reasonable period. 
The Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian, specifically due to their failure to conduct meaningful investigations into consumer credit disputes. Your failure to address this issue promptly and thoroughly places you in direct violation of both federal law and industry regulations. 
I demand that you remove or correct the inaccurate information from my credit file immediately. Failure to resolve this dispute within 30 days will result in my filing a formal complaint with the CFPB and taking further legal action. 
I expect a prompt response with confirmation of the correction or removal of the inaccurate entry. 
This same practice has lead Experian, Equifax, and TransUnion to being sued for not providing accurate information on credit reports. Also, not providing proper investigations for consumer disputes. 
I also requested verification of inaccurate accounts reporting on my credit report that your bureau maintains were accurate on XX/XX/XXXX. The following accounts are as follows : XXXX {$13000.00} Account # XXXX XXXX XXXX {$1700.00} Account # XXXX XXXX XXXXXXXX XXXX {$2200.00} Account # XXXXXXXX XXXX {$2100.00} Account # XXXX XXXX {$0.00} Account # XXXX XXXX  XXXX {$2700.00} Account # XXXX XXXX BANK XXXX {$4400.00} Account XXXX XXXX XXXX XXXX {$2300.00} Account # XXXX XXXX  XXXX {$1600.00} Account # XXXX XXXX XXXX  {$3700.00} Account # XXXX XXXXXXXX XXXX {$1200.00} Account # XXXX XXXX {$13000.00} Account # XXXX ALL INQUIRIES : XXXX XXXX etc I received a response stating that the accounts ) were verified on XX/XX/XXXX. 
HENSON v. CSC Credit Services. 29F. 3d 280 ( 7th Cir. 1994 ) The court ruled that a CRA " can not merely rely on the original creditor. '' Per 15 U.S.C. 1681 i ( a ) ( 6 ) ( B ) ( il ) I am formally requesting a description of the procedure your bureau used in proving all information to original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ). Your agency is required to forward all relevant information to the original creditor to insure a proper investigation of my dispute. 
I'm requesting that you provide me all relevant information and documentation used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Per the FCRA, you are required to provide me with this information within 15 days or delete the negative items from my credit report. 
I'm seeking resolution under 15 U.S.C. 1691 ( e ). Civil Liability. Non- Compliance. Please delete all negative items and inquiries IMMEDIATELY!!!

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