Consumer complaint received 2025-01-14 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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX, XX/XX/year> Experian Information Solutions , Inc. Dispute Resolution Department XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report, as maintained by Experian. Despite multiple attempts to resolve these inaccuracies, the issues remain unresolved, and the erroneous information continues to negatively impact my credit profile. Additionally, your recent DISPUTE RESULTS state that the " DISPUTED ITEM NOT LISTED ON CREDIT REPORT, '' which is demonstrably false, as the item in question is clearly present on my report. 

The recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian ( Case No. XXXX, filed XX/XX/year> ) highlights systemic issues in your dispute resolution process, many of which mirror the problems I have experienced. Specifically, the CFPBs complaint alleges the following violations : Failure to Conduct Reasonable Reinvestigations ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : The CFPB alleges that Experian routinely over-relies on furnishers responses and fails to conduct reasonable reinvestigations, even when presented with evidence suggesting inaccuracies. I have provided supporting documentation in my case, which has been ignored, demonstrating non-compliance with this statutory requirement. 

Failure to Provide Results of Reinvestigations ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ) : The CFPBs lawsuit details Experians failure to provide clear and accurate results of reinvestigations. I have similarly received vague or contradictory responses, including the claim that my disputed item is not on my report, despite clear evidence to the contrary. 

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The CFPB highlights Experians lack of reasonable procedures to ensure the accuracy of consumer reports. In my case, Experian has allowed inaccurate information to persist on my credit report, despite my providing documentation to prove otherwise. 

Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : The CFPBs complaint also mentions Experians reinsertion of inaccurate or unverifiable information without proper notice. This raises concerns about whether similar issues could occur with my disputes. 

Posting Adverse Actions without Justification ( 15 U.S.C. 1681e ( b ) ) : Adverse actions, including late payments, collections, charge-offs, or any other derogatory marks, must not be posted unless written consent has been given by the consumer. I have not given my consent either written or oral and have previously revoked all consent that may have been previously given either written or oral. These adverse marks must be immediately removed. 

Unclear or Misleading Disputed Outcomes : The results of your investigations are ambiguous. Specifically, the communication provided lacks clarity about the steps taken during the reinvestigation process and fails to address the evidence I provided. For example, your recent response simply states that the " disputed item is not listed on the credit report, '' which is demonstrably incorrect. These vague and misleading outcomes hinder my ability to ensure the accuracy of my credit report and demonstrate a lack of compliance with FCRA-mandated investigation standards. Clear and comprehensive results are necessary to address the inaccuracies I have identified. 

Under the Fair Credit Reporting Act ( FCRA ), Experian may be subject to statutory damages of {$1000.00} per violation per month that these inaccuracies remain on my credit report. These violations have caused significant harm to my creditworthiness, and failure to address these issues will result in escalating legal action. 

Enclosed, you will find documentation supporting my dispute, including copies of : My most recent credit report highlighting the disputed items. My ID Please immediately take corrective action and delete these derogatory marks on my report : XXXXXXXX XXXX Account # XXXX : Reporting late payments. 

XXXX XXXX XXXX Account # XXXX : Reporting collection Additionally, I do not have an account with XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation and correct or delete the inaccurate information. I also request written confirmation of the results of your reinvestigation and an updated copy of my credit report. 

If this matter is not resolved promptly, I am prepared to escalate my complaint to the CFPB and consider additional legal remedies. I reserve the right to seek statutory damages of {$1000.00} per violation per month for each inaccuracy reported. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe mandated by the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX cc : CFPB

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