Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear Experian Legal Department, This letter serves as a formal complaint against Experian for systemic violations of the Fair Credit Reporting Act ( FCRA ) regarding the handling of disputed accounts and the continued reporting of inaccurate information. The accounts in question include : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Both accounts have been removed from my XXXX and XXXX credit reports, yet Experian continues to report them inaccurately. This inconsistent reporting not only harms my creditworthiness but also reflects Experians failure to comply with its obligations under the FCRA to ensure maximum possible accuracy Violations and Concerns 1. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Experian has failed to maintain reasonable procedures to ensure the accuracy of information on my credit report. The continued reporting of these accountsdespite their removal by XXXX and XXXX serious concerns about XXXX commitment to fair and accurate reporting. 

2. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) Experians investigations into my disputes have been insufficient and negligent. Specifically : Experian has relied solely on Automated Credit Dispute Verification ( ACDV ) responses from the furnishers without conducting an independent or thorough investigation. 
NeitheXXXX XXXX XXXX XXXX XXXX XXXX XXXX has provided substantiating documentation to verify the accuracy of these accounts.

3. Failure to Verify Timing of Notice ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) Under FCRA Section 623 ( a ) ( 7 ), creditors are required to notify consumers in writing within 30 days of furnishing negative information. 
There is no evidence that either XXXXXXXX XXXX XXXX XXXX XXXX XXXX  provided such notices before or after reporting these accounts. 
Experians continued reporting of these accounts without verifying compliance with this requirement is a procedural failure that exacerbates the harm to my credit profile.

4. Reporting of Inconsistent and Inaccurate Information The accounts in question reflect inaccuracies and inconsistencies that should have been resolved during the dispute process : XXXX XXXX XXXX ( Account Number : XXXX ) : This account displays conflicting payment history and inaccuracies regarding delinquency timelines. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This account reflects inconsistent payment statuses and appears to extend the reporting timeline unjustly. 

The fact that XXXX and XXXX have removed these accounts further highlights Experians failure to properly address their inaccuracies. 

5. Failure to Notify of Dispute ( 15 U.S.C. 1681i ( a ) ( 2 ) ) Experian failed to notify me in writing of its receipt of my dispute within five business days, as required by law. I demand documentation proving that proper notification was sent, including dates, tracking numbers, and content of the communication

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