Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised significant concerns regarding Experian 's compliance with its legal obligations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in improper investigations, undermining consumer protection laws. 
This account was successfully removed from my credit report on XXXX XXXX XXXX Account # XXXX on XX/XX/year>, XXXX XXXX XXXX Account # XXXX on XX/XX/year>, as confirmed by your bureau. However, it has been reinserted without my consent or the requisite notification. As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) has initiated a lawsuit against Experian for failing to properly investigate consumer complaints of errors in credit reports, a violation of the Fair Credit Reporting Act. The CFPB highlights issues such as " sham investigations '' and the reinsertion of inaccurate information into reports without proper notificationspractices that align with the situation I am experiencing. According to the FCRA, specifically 15 U.S.C. 1681i, I should have received a notification at least five days prior to such a reinsertion, which I have not received. The CFPB 's lawsuit underscores the importance of adhering to these regulations to prevent detrimental impacts on consumers ' access to credit, employment, and housing.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a comprehensive reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( i ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
Therefore, I hereby request that Experian : XXXX. XXXX a thorough reinvestigation of the following disputed accounts or items :. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX. 
XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
XXXX. Immediately remove the reinserted account from my credit report. 
Enclosed with this letter are copies of the initial removal confirmation from Experian and other relevant documentation to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please confirm in writing once the account has been removed and take necessary actions to ensure my credit report remains accurate. I expect written confirmation of any changes made to my credit file. 
Thank you for your prompt handling of this matter. 
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