Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Experians Failure to Conduct Proper Investigations To Whom It May Concern : I am writing to formally dispute the information in my credit report related to [ specific accounts, bankruptcy entries, or inquiries ]. I believe Experian has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in conducting a reasonable reinvestigation and ensuring maximum possible accuracy of the information reported. 

Key Issues : Failure to Conduct a Reasonable Reinvestigation Experian is required to conduct a thorough and reasonable reinvestigation of disputed information under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). However, I believe Experian has not adequately reviewed the evidence I provided or forwarded it to the appropriate data furnishers. 

Failure to Address Bankruptcy and Negative Accounts The disputed accounts include entries related to a bankruptcy filing that are either outdated, inaccurately reported, or entirely inapplicable. Experians failure to rectify these inaccuracies violates its duty under the FCRA to ensure that consumer reports are accurate and complete. 

Failure to Investigate Improper Inquiries Hard inquiries listed on my report, which were not authorized by me, have remained despite my dispute. According to the CFPB 's lawsuit ( Case XXXX ), Experian has failed to reinvestigate disputes regarding hard inquiries unless identity theft or fraud was specifically alleged, which directly violates the FCRAs requirements. 

Improper Use of Dispute Codes Inadequate or generic dispute codes were applied, as referenced in the CFPB lawsuit, leading to mischaracterization of my dispute. This prevents accurate review and resolution by the furnishers. 





My Request : Under the FCRA : I demand that Experian conduct a reasonable reinvestigation of the disputed items and provide me with clear documentation of the findings. 
Any information found to be inaccurate, incomplete, or unverifiable must be modified, corrected, or deleted as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Notify me of the outcome within the statutory timeline of 30 days, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). 
If Experian continues to fail in meeting its statutory obligations, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

I have attached the following documents to support my dispute : ( See Attachments ) Please confirm receipt of this letter and respond promptly. I expect Experian to uphold my rights under the FCRA and take immediate corrective action to address these issues. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation