Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
I submitted numerous disputes with Experian and they refuse to remove all incorrect addresses and negative accounts. The last email they sent me was on XX/XX/year>. I keep getting the same emails over and over stating to upload more information that was already submitted. I will include the email in the attachment. 

5536 ( a ) ( 1 ) ( a ) ( b ), 5564, and 5565. This action alleges that Experian violated both Acts by failing to reasonably reinvestigate consumer disputes challenging the accuracy or completeness of information in consumer reports, including by failing to forward all relevant information to furnishers, failing to provide adequate or accurate notice to consumers of the outcome of their disputes, and failing to utilize reasonable procedures to ensure the accuracy and completeness of information in consumers files. 

The FCRA demands that CRAs use reasonable procedures to assure maximum possible accuracy of information contained in consumer reports, 15 U.S.C. 1681e ( b ), and provides a mechanism for consumers to dispute any incomplete or inaccurate information in their report. 15 U.S.C. 1681i. ( Experian has failed to do so. ) When a consumer disputes the accuracy or completeness of information in their consumer report, the FCRA requires Experian to conduct a reasonable reinvestigation of the disputed information and report the results of the reinvestigation to the consumer, all within certain timelines. 15 U.S.C. 1681i ( a ). At the conclusion of the reinvestigation, Experian must modify or delete any item of information found to be inaccurate or incomplete, or that it could not verify. 15 U.S.C. 1681i ( a ) ( 5 ). For any information deleted as a result of a dispute, the FCRA imposes specific obligations on Experian that must be satisfied before that information may be reinserted into a consumers file. 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). 

Experians faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers response to the disputed information, and failure to inform consumers of the results of reinvestigations also violate the CFPAs prohibition on unfair acts or practices. 12 U.S.C. 5531 ( c ) ( 1 ). 

Experians failures are an abdication of its obligations under the FCRA and the CFPA, and the Bureau brings this action to rectify these failings and impose civil money penalties. 
In addition to failing to initiate reinvestigations, Experians faulty processes also caused other errors in consumers files. 

The FCRA requires a CRA to conduct a reasonable reinvestigation and to notify and provide all relevant information regarding a dispute that it received from the consumer to the furnisher of the disputed information. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( 2 ). 

Experian does not conduct a reasonable reinvestigation or convey to furnishers all relevant information it receives from consumers when it fails to forward relevant consumer documentation. 

Therefore, Experians actions violated and continue to violate the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( 2 ). 

I submitted numerous disputes with Experian over the past 90 days. Experian keeps sending the same email requesting the same information that was submitted. 

I requested for incorrect and inaccurate addresses and accounts to be moved. 

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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