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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Experian for failing to properly investigate and correct inaccuracies on my credit report. I am aware that the CFPB has recently sued Experian for conducting sham investigations, and I believe I am a direct victim of these deceptive practices. Despite my repeated disputes, Experian has failed to conduct a proper review, resulting in ongoing harm to my credit profile. 

Disputed Accounts That Experian Has Failed to Correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Although Experian has redacted portions of the account numbers, they have full access to my credit file and should be able to identify the disputed accounts based on my full name, dispute dates, and creditor names. Any attempt to dismiss my dispute due to missing account numbers would be a further violation of my consumer rights. 

Experians Fair Credit Reporting Act ( FCRA ) Violations : 1. Failure to Conduct a Meaningful Investigation : The FCRA ( 15 U.S.C. 1681i ) requires credit bureaus to conduct a reasonable investigation. Instead, Experian has either ignored my supporting evidence or failed to verify the legitimacy of these accounts. 
2. Failure to Provide Documentation Supporting These Accounts : Experian has continued reporting these items without providing any actual proof that they belong to me or are accurate. If the furnishers of these accounts can not verify them, they must be deleted immediately per the FCRA. 
3. Failure to Remove Disputed, Unverified Accounts : Under the FCRA, if a credit bureau can not properly verify an account within 30 days, they are required to delete it. Yet, these accounts remain, negatively impacting my credit. 

Demand for Immediate Action I request that the CFPB investigate Experians failure to properly handle disputes and hold them accountable for violating consumer protection laws. Additionally, I am demanding that Experian remove the inaccurate accounts listed above immediately. 

If Experian can not produce concrete verificationbeyond automated responses from data furnishersthat these accounts are legitimate, they must be removed from my credit report per federal law. 

Further Action If Not Resolved If Experian does not comply, I am prepared to escalate this matter further by : Filing additional complaints with the Federal Trade Commission ( FTC ) and my state Attorney Generals office. 
Consulting legal counsel regarding a potential FCRA lawsuit against Experian.

Publicly addressing Experians failure to comply with federal regulations.

Gratitude and Closing Given the ongoing lawsuit the CFPB has filed against Experian, I trust that your office is committed to protecting consumers like me from these unfair and deceptive practices. I appreciate the CFPBs dedication to holding credit reporting agencies accountable and ensuring that every consumer receives fair and lawful treatment. 

I respectfully request a full investigation into this matter and confirmation that Experian has properly verifiedor removedthe disputed accounts from my credit report. Your efforts in advocating for consumer rights do not go unnoticed, and I sincerely appreciate your time and assistance in resolving this issue. 

Thank you for your attention to this matter. I look forward to a fair and just resolution. 

Sincerely, 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