Consumer complaint received 2025-01-18 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: SC

Complaint narrative:
Dear Experian, I am writing to formally notify you that I believe you are in violation of several provisions of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) in connection with the inaccurate information reported on my credit file, despite my repeated efforts to resolve the issue through dispute letters. I expect immediate attention to these matters to ensure compliance with the law and protect my rights as a consumer.

Specifically, I believe Experian has violated the following sections of the FCRA : 15 U.S.C. 1681e ( b ) Accuracy of Information : Under this provision, credit reporting agencies like Experian are required to maintain and report accurate information on consumer credit reports. I have disputed inaccurate information on my credit report multiple times, but you have failed to ensure the accuracy of my information. Instead, erroneous data continues to be reported, which is a violation of this section.

15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information : As the credit reporting agency, you are obligated to ensure that any information you report is accurate, including any updates or corrections from the original furnishers ( creditors ). I am aware that if a dispute is initiated, the original creditor must also ensure that they are reporting accurate information to the bureaus. If any inaccuracies exist, they must be corrected or deleted. I have not seen such corrections in my case, which violates your responsibilities under this section.

15 U.S.C. 1681i ( 5 ) Investigations of Disputes : When a consumer disputes inaccurate information, Experian is required to conduct a reasonable and thorough investigation into the matter. Despite my previous disputes, Experian has failed to conduct proper investigations, and no meaningful changes have been made to my credit report. This lack of action is a violation of 15 U.S.C. 1681i ( 5 ), which mandates that you take steps to investigate any disputed information.

15 U.S.C. 1681c ( c ) Time Limitation for Reporting Negative Information : Certain negative information, such as late payments and charge-offs, is subject to time limits on how long it can be reported on a consumer 's credit report. Despite my requests, some of this outdated negative information remains on my credit report in violation of the provisions of this section.

Failure to Remove or Not Reinsert Errors : Additionally, Experian has failed to fully comply with its obligations to remove or not reinstate erroneous information once identified. This failure has led to continued negative reporting of inaccurate information, which is undermining my ability to access credit, employment, and housing. This ongoing reporting of incorrect data, despite disputes, poses a direct threat to my access to these critical services, and further exacerbates the harm caused by your failure to follow the law.

In light of these violations, I respectfully request that Experian immediately : Conduct a reasonable and accurate investigation into the disputed items on my credit report.

Correct or delete any erroneous information that has been improperly reported.

Cease reinserting any information previously removed, as required by the FCRA.

Provide me with a revised copy of my credit report reflecting these changes.

Failure to comply with the FCRAs provisions may result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), seeking legal remedies for the harm caused by these inaccuracies, and pursuing other actions available under the law.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Charge Card Account Name : XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Unsecured Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Secured Loan Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Type : Collection I expect a prompt response to this matter. Please ensure that all required actions are taken to resolve these issues and that I am notified of the results of your investigation as required by the law.

Thank you for your attention to this serious matter.

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