Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint Regarding Failure of Experian to Investigate a Dispute under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to file a formal complaint against Experian for their failure to properly investigate and resolve a dispute I submitted under the Fair Credit Reporting Act ( FCRA ). Despite providing all necessary documentation and clearly disputing inaccurate information on my credit report, Experian has not complied with their obligations under federal law. 

I am disputing a collection account reported by XXXX XXXX XXXX, with the account number XXXX and a reported balance of {$480.00}. On XX/XX/scrub>XXXX XXXX I submitted a dispute to Experian, stating that I do not recognize this debt and requesting that they provide validation of the debt or remove the inaccurate account from my credit report. However, despite the FCRAs explicit requirement that credit reporting agencies conduct a reasonable investigation, Experian has failed to verify the information or provide any resolution. 

According to the FCRA ( Section 1681i ), Experian, as a credit reporting agency, is required to : 1. Conduct a reasonable investigation of a dispute within 30 days of receiving the dispute notice.

2. Provide the consumer with a written statement of the results of the investigation, which includes a summary of the evidence reviewed. 
3. Correct or delete inaccurate information that can not be properly verified during the investigation.

4. Not report any information that can not be verified within the required time frame. 

In my case, Experian has failed to fulfill these obligations and has continued to report the inaccurate collection account without proper validation or investigation. Their actions are a violation of the FCRA and have resulted in harm to my credit profile and financial standing. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the FCRA and corrects any inaccuracies related to this dispute. Additionally, I seek confirmation that Experian will promptly complete a proper investigation in line with the law and provide me with the required documentation regarding their findings. 

Please find attached copies of my dispute letter to Experian and my credit report showing the disputed XXXX XXXX XXXX collection account. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to ensure that my rights under the FCRA are upheld. 

Sincerely, 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