Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Formal Dispute of Inaccurate Credit Information Under FCRA To Whom It May Concern, I am writing to formally dispute inaccurate and potentially harmful information currently appearing on my Experian credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and lawful reinvestigation of the item ( s ) listed below.

Disputed Item ( s ) : [ List each disputed account here, including the creditor name, partial account number, and the nature of the error. ] Despite prior disputes, the information remains incorrect on my report. In light of the Consumer Financial Protection Bureaus ( CFPB ) XX/XX/year> lawsuit against Experian, I am raising serious concerns about the accuracy of your reporting and the integrity of your investigation process.

Main Concerns : 1. Failure to Report Information Accurately Experian is reporting information that is inaccurate, outdated, or misrepresents my payment and account history. These inaccuracies are damaging my credit and misinforming potential creditors, landlords, and employers.

2. Improper Investigation Procedures I am concerned that Experian failed to conduct a proper investigation of my prior disputes. As noted in the CFPB 's lawsuit, Experian has been accused of : o Using flawed dispute intake systems that overlook relevant consumer-provided documentation.

o Relying solely on data furnishers responses without independent review, even when those responses are implausible or unverified.

o Failing to inform consumers clearly of dispute outcomes, in violation of FCRA standards.

3. Reinsertion of Previously Deleted Inaccurate Information I have also witnessed the reappearance of inaccurate information that had previously been corrected or deleted. If this information was reinserted by a different furnisher, it appears to have happened without any notification to me, in violation of FCRA 1681i ( a ) ( 5 ) ( B ).

These failures to ensure accuracy and compliance are deeply concerning and threaten my ability to access credit, employment, and housing opportunities.

Request for Action : I demand that Experian : Conduct a full, lawful reinvestigation of the disputed information. 
Provide me with clear, written results of the investigation, including how it was conducted and what evidence was reviewed. 
If the information can not be verified, it must be deleted from my report. 
If any previously disputed information was reinserted, provide the name of the furnisher and the date of reinsertion, per federal law. 
I am including supporting documentation that clearly demonstrates the inaccuracy of the disputed items. 
[ List attached documents, e.g., account statements, payment confirmations, correspondence. ] In accordance with FCRA requirements, I expect a response within 30 days of your receipt of this letter. Failure to properly address these issues may result in formal complaints to the Consumer Financial Protection Bureau and other appropriate authorities. 

Sincerely, XXXX XXXX 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