Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
# Credit Report Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Formal Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute inaccurate information that remains on my credit report despite my previous efforts to correct these errors. I have identified several violations in Experian 's dispute-handling practices that align with the allegations made by the Consumer Financial Protection Bureau ( CFPB ) in their recent lawsuit against your company.

**According to the CFPB complaint, Experian has failed to : ** 1. **Reasonably Reinvestigate Disputes : ** Experian has not conducted reasonable reinvestigations of disputed information as required by the Fair Credit Reporting Act ( FCRA ). I have provided supporting documentation to validate my disputes, yet the inaccurate information remains on my report.

2. **Forward Relevant Information to Furnishers : ** Experian has failed to transmit all relevant dispute information and supporting documents to the furnishers, resulting in the continued reporting of incorrect data.

3. **Provide Accurate and Clear Dispute Results : ** The reinvestigation results I have received are confusing and do not clearly indicate what, if anything, was changed or updated on my credit report.

4. **Prevent Reinsertions of Previously Deleted Information : ** Experian has allowed previously deleted erroneous items to reappear on my credit file without proper certification from the furnishers or notification to me.

5. **Investigate Hard Inquiry Disputes : ** Experian 's failure to investigate unauthorized hard inquiries on my credit report has adversely affected my credit score and financial standing.

**Requested Actions : ** In accordance with the FCRA ( 15 U.S.C . 1681i ), I request that you : 1. Conduct a thorough reinvestigation of the disputed information.

2. Provide a clear and detailed written response indicating the outcome of your investigation.

3. Correct or remove any inaccurate, incomplete, or unverifiable information from my credit file.

4. Cease any reinsertion of previously deleted information without following proper procedures.

Attached, please find copies of supporting documents that substantiate my claims. I expect Experian to comply with its legal obligations and correct these issues within the legally mandated timeframe of 30 days. 

Please send all correspondence regarding this dispute to the address listed above. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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