Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XX/XX/2025 Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Report Information and Inadequate Reinvestigation Process Dear Experian Dispute Department, I am writing to formally dispute the accuracy and handling of information reported on my credit file. I have reason to believe that Experian has not fulfilled its obligations under the Fair Credit Reporting Act ( FCRA ), and I request immediate correction and proper investigation of the issues described below. 
Specifically, I am disputing the following : 1. Inaccurate/Misleading Reporting : Information on my credit file appears to be inaccurate, incomplete, or unverifiable. I have previously submitted a dispute regarding [ describe the specific tradeline or issue, e.g., a paid account still marked as delinquent ], but the information remains unchanged.

2. Failure to Conduct a Reasonable Reinvestigation : My previous dispute was not properly investigated. Based on the CFPB complaint filed against Experian ( XXXX XXXX XXXX ), it has been found that Experian routinely relies on furnishers responses without proper scrutiny or investigation, even when provided with consumer documentation or internal data indicating potential inaccuracies. 
3. Failure to Provide Clear Reinvestigation Results : The results letter I received from Experian was ambiguous and failed to clearly communicate whether the disputed information was updated, deleted, or remained the same. I was left to interpret vague references and inconsistent explanations.

4. Failure to Forward Relevant Information : I submitted supporting documents with my dispute, but there is reason to believe they were not forwarded to the furnisher as required by 15 U.S.C. 1681i ( a ) ( 2 ) ( A ). This failure undermines the reinvestigation process and prevents an accurate resolution. 

As such, I request the following actions : A thorough and reasonable reinvestigation of the disputed items, consistent with the requirements of the FCRA and as interpreted by the Consumer Financial Protection Bureau. 
A clear and detailed response indicating the outcome of the reinvestigation and specifying any updates, deletions, or corrections made. 
Immediate removal of any inaccurate, unverifiable, or incomplete information if it can not be substantiated.

Written confirmation that any reinvestigation has complied with the legal standards outlined under 15 U.S.C. 1681i.

I am enclosing copies of the documents previously submitted in support of my dispute ( and/or new documents, if applicable ). I expect a response within 30 days as required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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