Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file an official dispute concerning inaccurate information on my credit report ( Account Number : [ Your Account Number ] ), and to address the ongoing failure by Experian to conduct proper and legitimate investigations into my dispute, as required under the Fair Credit Reporting Act ( FCRA ). 

It has come to my attention that Experian has consistently engaged in sham investigationsa practice that has been thoroughly exposed in multiple lawsuits and has resulted in your company being held accountable for violating federal consumer protection laws. Specifically, the case of [ Case Name, e.g., XXXX XXXX Experian ], as well as numerous consumer complaints, has highlighted your pattern of failing to properly investigate disputes, relying on incomplete and erroneous data, and ultimately not taking reasonable steps to correct inaccurate information. 

The information currently on my credit report is not only incorrect but is damaging my financial standing. Experians refusal to properly address my disputes or investigate them in good faith is a direct violation of my rights under the FCRA and the Consumer Financial Protection Act.

I am demanding that you take the following immediate actions : Thoroughly investigate my dispute in good faith, as required under the FCRA. This investigation must include direct verification with the relevant creditors and provide substantive evidence supporting the accuracy of any disputed information. 
If Experian can not provide valid verification, you are required to remove the inaccurate information from my credit report immediately. 
Provide me with a detailed response outlining the steps you took in conducting this investigation and clear documentation supporting any findings, per my rights under the FCRA. 


PLEASE REMOVE FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If this matter is not addressed promptly and correctly, I will have no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 
Pursue further legal action, including potential lawsuits for damages caused by your failure to comply with federal consumer protection laws and properly investigate my dispute. I will also consider seeking punitive damages for the harm caused by your refusal to meet your legal obligations. 
The law is clear : Experian is required to conduct a thorough, timely, and accurate investigation. Your current practice of conducting incomplete investigations is a blatant violation of my rights, and I will not hesitate to take legal action if this matter is not resolved immediately. 

You have 30 days to resolve this issue, as required by the FCRA. Should you fail to do so, be prepared to face not only formal complaints but the full weight of legal consequences for your continued disregard of consumer protection laws. 

Sincerely, XXXX XXXX Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by law. 

Sincerely, XXXX XXXX LAST XXXX OF 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