Consumer complaint received 2025-07-30 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: MI

Complaint narrative:
Credit Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX  XXXX, TX XXXX Subject : Formal Dispute of Inaccurate and Reinserted Credit Report Information - FCRA Violations To Whom It May Concern, I am writing to formally dispute multiple inaccuracies that appear on my Experian credit report. 

These disputes involve the repeated reinsertion of previously deleted accounts, reporting of inaccurate and incomplete tradelines, and failure to provide meaningful results from prior disputes. 
My experience mirrors the serious legal violations outlined in the Consumer Financial Protection Bureau 's lawsuit filed on XX/XX/year> ( Case No. XXXX ), where Experian was accused of violating the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( XXXX ) in several ways-including : - Failing to conduct reasonable reinvestigations, Credit Dispute Letter - Re-inserting previously deleted items without proper notice or certification, - Mischaracterizing or truncating the nature of disputes, - Failing to provide clear or accurate reinvestigation results to consumers. 

Unfortunately, I am personally experiencing these same types of violations. 
Below is a summary of the accounts in dispute : Creditor Name Acct # ( Last XXXX ) Description of Issue XXXX XXXX XXXX XXXX Reporting inaccurate balance and missing information XXXX XXXX XXXX XXXX  This account does not belong to me. A fraud alert has XXXX XXXX XXXX XXXX  This account was previously removed after a dispute What I Am Requesting Under FCRA 1681i : 1. A complete and reasonable reinvestigation of each account listed above.

2. Written notification of the results of each reinvestigation, clearly identifying what was changed, deleted, or updated.

3. Permanent deletion of any information that is inaccurate, incomplete, or unverifiable.

4. Notification and documentation if any previously deleted information has been reinserted, including certification of accuracy from the furnisher and my rights under FCRA 1681i ( a ) ( 5 ) ( B ).

If these matters are not resolved properly and timely, I will file complaints with the Consumer Financial Protection Bureau, FTC, and State Attorney General, and consider legal remedies.

Credit Dispute Letter Enclosures : - Annotated credit report - Prior dispute confirmations- Proof of settlement/payments - Photo ID and proof of address Sincerely, XXXX XXXX XXXX XXXX : - Copy of my Experian credit report with disputed items highlighted - Copies of prior dispute correspondence - Proof of payment, settlement letters, or creditor communications- Original documents submitted to XXXXXXXX XXXX XXXX  XXXX Fraud alert notice related to XXXX XXXX XXXX  account - Government-issued photo ID ( e.g., driver 's license ) - Proof of current address ( e.g., utility bill, lease agreement ) Please review all enclosed documents in support of my dispute. These materials substantiate my claims and should be fully considered during your reinvestigation process.

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