Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information in My Credit Report Dear Experian XXXX Department, I am writing to formally dispute inaccurate information contained in my credit report. As the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for failing to properly investigate consumer disputes, I am concerned that similar violations may have impacted my credit profile. 

Upon reviewing my credit report, I identified the following inaccuracies : 1. Failure to Delete Inaccurate Information The following account ( s ) contain incorrect information that should have been removed : Wrong address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Information went under wrong address and personal information was exposed. 


2. Reinsertion of Previously Deleted Data I have previously disputed and had certain negative items removed, yet they have been improperly reinserted without proper notification. 

XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX paid in full {$1100.00} Disputed XX/XX/XXXX for a negative report - XXXX XXXX XXXX  Negative report after charge off {$1100.00} Opened XXXX XXXX XXXX Disputed on XX/XX/XXXX Disputed on XX/XX/XXXX - XXXX XXXX XXXX Account charge of settled {$750.00} Negative report Disputed on XX/XX/XXXX. 
- XXXX XXXX XXXX. 
Account closed .with a negative report Settled 3. Failure to Properly Investigate My Previous Disputes I have submitted disputes regarding the above accounts, yet Experian has failed to conduct a thorough investigation or provide adequate reasoning for the outcome. 


4. Overreliance on Furnishers It appears Experian has relied solely on the furnishers verification without independently investigating my disputes. This does not align with federal requirements under the Fair Credit Reporting Act ( FCRA ). 


5. Failure to Provide Adequate Notification I was not properly informed of the results of my previous disputes, leaving me unaware of any actions taken on my credit report. 



As per the FCRA, Experian is required to conduct a fair and reasonable investigation and correct any errors found. Therefore, I request the following actions : A complete reinvestigation of the disputed items. 

The removal of all inaccurate or unverifiable information from my credit report. 

A written response confirming the corrections made and an updated copy of my credit report. 

Notification to any furnishers that provided inaccurate data, ensuring that these errors do not appear again in future reports. 


I have attached copies of all supporting documents, including my identification and any previous dispute correspondence, to substantiate my claims. 

Please address this matter promptly, as required by the FCRA. I expect a response within 30 days. If Experian fails to comply, I am prepared to escalate this issue to the CFPB and other regulatory agencies. 

Thank you for your immediate attention to this matter. Please contact me at XXXX or XXXX should you require additional information. 

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