Consumer complaint received 2025-01-12 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: NC

Complaint narrative:
Subject : Formal Dispute and Notice of Fair Credit Reporting Act ( FCRA ) Violations** Dear Experian Information Solutions , Inc , I am writing to formally dispute inaccurate information on my credit report and notify you of ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. Despite my repeated attempts to resolve these inaccuracies through your dispute resolution process, the issues remain unresolved. These failures are similar to the patterns of noncompliance detailed in the CFPBs recent lawsuit against Experian Information Solutions. 

Disputed Items The inaccuracies pertain to student loan accounts, including : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C. 1681c, you are required to ensure that credit information related to accounts, including those involving student loans, is reported accurately and within the permissible timeframes. Reporting erroneous information violates this provision and undermines my creditworthiness.

FCRA Violations Your actions ( or lack thereof ) constitute the following violations : Failure to Conduct a Reasonable Investigation : Under 15 U.S.C. 1681i, credit reporting agencies must conduct a reasonable reinvestigation of disputed items within 30 days. You have failed to provide sufficient evidence of such an investigation or to correct the inaccurate information.

Failure to Ensure Maximum Possible Accuracy : As required by 15 U.S.C. 1681e ( b ), you have a duty to maintain reasonable procedures to ensure maximum possible accuracy in the information you report. Continuing to report inaccurate student loan data violates this obligation.

Improper Reporting of Obsolete Information : Per 15 U.S.C. 1681c ( a ), reporting outdated or erroneous student loan information, including inaccurately extended delinquency dates, further contravenes the FCRA.

Reference to CFPB Lawsuit The CFPBs complaint against Experian highlights systemic failures to adequately handle consumer disputes and to correct inaccuracies in credit reports. My experience mirrors these concerns, as I have encountered a lack of responsiveness and failure to remedy the disputed inaccuracies.

Demand for Resolution To rectify this matter, I demand the following : Immediate Correction or Deletion : Remove or correct all inaccurate and unverifiable information related to my student loans.

Compliance Documentation : Provide written confirmation of the corrective actions taken, along with an updated copy of my credit report.

Assurance of Compliance : Submit a statement confirming that Experian has implemented measures to prevent similar issues in the future.

If these issues are not resolved within XXXX days of your receipt of this letter, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I will explore legal remedies to enforce my rights under the FCRA, including seeking damages for noncompliance.

I trust you will address these concerns promptly. Please direct your response to my contact information listed above.

CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC )

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