Consumer complaint received 2024-09-21 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: AR

Complaint narrative:
I am submitting this formal dispute to request the immediate removal of multiple inaccurate items, unauthorized inquiries, and unverifiable information on my credit reports with XXXX, Experian, and XXXX. Despite my previous requests, the credit bureaus have failed to comply with the legal standards of the Fair Credit Reporting Act ( FCRA ), particularly in providing a full and detailed investigation, including how and with whom they verified the disputed information. 

As a consumer, I am entitled to an accurate credit report and the right to a proper reinvestigation of any disputed items under FCRA guidelines. The bureaus continued disregard for consumer protection laws has led me to seek your intervention and demand immediate resolution. 

XXXX Disputes : XXXX. Inaccurate Personal Information : Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX. Unauthorized Inquiries : XXXX  ( Date of inquiry : XX/XX/XXXX ) XXXX  ( Date of inquiry : XX/XX/XXXX ) XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX  ( Date of inquiry : XX/XX/XXXX ) XXXX  ( Date of inquiry : XX/XX/XXXX ) XXXX  ( Date of inquiry : XX/XX/XXXX ) XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX  ( Date of inquiry : XX/XX/XXXX ) XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX  ( Date of inquiry : XX/XX/XXXX ) CXXXX XXXX  ( Date of inquiry : XX/XX/XXXX ) XXXX. Accounts Requiring Immediate Verification or Removal ( Per 15 USC 1681i ( a ) ( 5 ) ) : XXXX  ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX  ( Account Number : XXXX ) XXXX  XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXXXXXX XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX  ( Account Number : XXXX XXXX XXXX XXXX XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX ) XXXX  ( Account Number : XXXX ) XXXX. Additional Incorrect Personal Information : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Experian Disputes : XXXX. Inaccurate Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XX/XX/XXXX ) Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XX/XX/XXXX ) XXXX. Unauthorized Inquiries : XXXX XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX  XXXX XXXX ( Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX  XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX. Accounts Requiring Immediate Verification or Removal ( Per 15 USC 1681i ( a ) ( 5 ) ) : XXXX  ( Account Number : XXXX ) XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) XXXX  XXXX XXXX  ( Account Number : XXXX ) XXXX. Additional Incorrect Personal Information : Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX XXXX Disputes : XXXX. Inaccurate Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Previous Address : XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX. Unauthorized Inquiries : XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX  XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX  XXXX ( Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ) XXXX  ( Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ) XXXX  ( Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX. Accounts Requiring Immediate Verification or Removal ( Per 15 USC 1681i ( a ) ( 5 ) ) : XXXX XXXX  XXXXXXXX XXXX XXXX  ( Account Number : XXXX ) Violations of the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must conduct a reasonable reinvestigation of any disputed information. Despite my numerous disputes, the credit bureaus have not complied with the following provisions of the FCRA : XXXX. Failure to Investigate : The credit bureaus have not provided any detailed description of the investigation procedures used to verify the disputed items, violating 15 USC 1681i ( a ) ( 7 ), which mandates a summary of the reinvestigation process.

2. Failure to Remove Unverifiable Information : Under 15 USC 1681i ( a ) ( 5 ), any inaccurate or unverifiable information must be promptly deleted from a consumers credit report. These bureaus have failed to comply with this law, leaving unverifiable inquiries, personal information, and accounts on my reports.

3. Lack of Proper Reinvestigation Communication : I have not received any notices outlining whom the bureaus communicated with to verify these items, which is a breach of 15 USC 1681i ( a ) ( 6 ), requiring clear and transparent communication with the consumer regarding the investigation outcome. 

My Requests : XXXX. Immediate Removal : I demand the immediate removal of all unauthorized inquiries, inaccurate personal information, and unverifiable accounts listed in this letter. 
XXXX. Updated Credit Report : I request updated credit reports from all three bureaus, reflecting the removal of the inaccurate information. 
XXXX. Detailed Investigation Outline : I demand an outline of the reinvestigation process, including all parties contacted and methods used to verify the disputed information. 
XXXX. Compensation for FCRA Violations : Per FCRA guidelines, I am entitled to up to {$1000.00} per violation, in addition to legal fees, for each failure to comply with the FCRAs requirements. 

I look forward to your immediate intervention and a timely resolution to this matter. Thank you for your attention to my rights as a consumer.

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