Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
Subject : Complaint Regarding Experians Failure to Properly Investigate and Reinvestigate Disputed Information Dear Sir/Madam, I am writing to file a formal complaint against Experian regarding their failure to properly investigate and reinvestigate disputed information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). I have made multiple attempts ( 8 times or more ) to resolve the issues with Experian, but they have not provided adequate responses or hard proof to confirm that the reinvestigation was conducted properly. Below are the items in question. 

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 


Experian has violated the following provisions of the FCRA : Failure to Conduct Proper Reinvestigations : Experian has failed to properly conduct reinvestigations of disputed information in my credit file, as required by the FCRA. Despite providing them with detailed information about the disputed items, they have not taken adequate steps to resolve the dispute. 

Failure to Provide Proof of Reinvestigation : I have requested, multiple times, the necessary documentation proving that the reinvestigation was performed according to the standards set forth by the FCRA. To date, Experian has failed to provide any hard proof or documents demonstrating that they conducted a thorough reinvestigation. I have not received any written documentation of their investigation results. 

Failure to Delete Inaccurate, Incomplete, or Unverified Information : Experian has failed to delete inaccurate, incomplete, or unverified information from my consumer credit file. In my dispute, I provided evidence showing that certain accounts were reported inaccurately or without verification. However, the disputed items remain on my credit report, and Experian has not adequately addressed these concerns. 

Failure to Provide Adequate Written Notice : As required by the FCRA, Experian has failed to provide me with adequate written notice of the results of their reinvestigation. I have not received sufficient explanation of how my dispute was handled, nor have they provided clear communication regarding their process for verifying the disputed information. 

Improper Reinsertion of Previously Deleted Information : Experian has improperly reinserted previously deleted information back into my credit file without properly notifying me. This constitutes a violation of the FCRA and has further harmed my credit report. 

Failure to Follow Reasonable Procedures : Experian has failed to follow reasonable procedures to ensure maximum possible accuracy of the credit information it reports. This has resulted in the continued inclusion of inaccurate and unverified information on my credit report. 

Furthermore, I believe Experian has committed unfair acts or practices in violation of the Consumer Financial Protection Act of XXXX. Specifically : Failure to Fully and Accurately Convey Disputes to Furnishers : Experian has failed to fully and accurately convey my disputes to the furnishers of the disputed information. Instead, they have distorted, truncated, and mischaracterized my disputes, which has prevented the furnishers from properly addressing and resolving the issues. 

Due to Experians wilful negligence and willful non-compliance with the FCRA and related laws, I have sustained significant damage to my reputation. As a direct result of Experians failure to investigate and correct inaccurate information on my credit report, I have been denied credit, loans, and credit cards. This has caused considerable financial hardship and has harmed my ability to obtain necessary credit for personal and professional purposes. The fraudulent practices employed by Experian have had a detrimental effect on my life, and I demand immediate corrective action. 

In light of these violations, I am requesting that the CFPB investigate Experian for non-compliance with the FCRA and the Consumer Financial Protection Act. I seek the following actions from Experian : A proper and thorough reinvestigation of all disputed items on my credit report. 
Provision of certified copies of all documentation related to the reinvestigation process, including communications with furnishers, results of their findings, and any corrective actions taken. 

Deletion of any inaccurate, incomplete, or unverifiable information from my credit report. 
An official explanation of why inaccurate or unverified information has not been removed from my credit report despite my dispute. 
An assurance that proper procedures are being followed to ensure the accuracy of information reported to consumer reporting agencies. 

I have previously submitted complaints regarding this matter to the CFPB on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed copies of the relevant documents related to my dispute with Experian for your reference. Please let me know if you require any additional information from my end.

Thank you for your attention to this matter. I trust the CFPB will thoroughly investigate Experian 's actions and hold them accountable for their failure to comply with consumer protection laws. I look forward to your response.

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