Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to express my ongoing concerns regarding the repeated inaccuracies and improper handling of disputes on my credit report. Despite numerous disputes filed, Experian has failed to address the issues adequately, often claiming the information is " verified '' without providing the required method of reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ). 
Disputed Items and Reporting Issues : 1. XXXX XXXX XXXXXXXX, VA XXXX ( Public Record ) : * Report Number : XXXX ( Dispute Date : XX/XX/XXXX ) * Despite providing documentation from XXXX XXXX showing the bankruptcy could not be verified, Experian has continued to report it inaccurately. I requested the method of reinvestigation, which was ignored, a clear violation of FCRA requirements. 
2. XXXX XXXX XXXX XXXX ( Accounts ) : * Accounts XXXX and XXXX were updated after disputes but continue to reflect inaccuracies. 
3. XXXXXXXX XXXX XXXXXXXX ( Account XXXX ) : * Continues to show unresolved discrepancies, with Experian failing to provide verification or the reinvestigation method. 
4. XXXX XXXX XXXX ( Account XXXX ) : * Reported as " accurate '' despite contrary evidence submitted. 
5. XXXX XXXX XXXX ( Account XXXX ) : * Updated but remains inaccurate, with no clear explanation of the reinvestigation process. 
CFPB Lawsuit and Legal Obligations : \nThe CFPB lawsuit ( Case XXXX ) against Experian highlights systemic issues similar to my experiences. As detailed in the CFPBs complaint, Experian fails to : * Conduct reasonable reinvestigations of disputed information. 
* Provide adequate consumer notifications regarding dispute outcomes. 
* Ensure the accuracy and completeness of reported information. 
Previous Dispute History XXXX XXXX  are records of my disputes dating back to XXXX, including CFPB complaints filed on XX/XX/XXXX, XX/XX/XXXX, and earlier. These disputes demonstrate a pattern of Experians disregard for FCRA obligations, particularly regarding reinvestigation timelines and consumer rights to dispute resolution transparency. 
Request for Resolution : XXXXI demand that Experian : 1. Immediately correct or remove all inaccurate information outlined above.

2. Provide a detailed method of reinvestigation for each disputed item as required by FCRA.

3. Prevent re-insertion of previously disputed items unless supported by verifiable evidence. 
Failure to address these issues may lead to additional legal action, including filing formal complaints with the CFPB and pursuing remedies under the FCRA. 
I expect a written response within 15 days of receiving this letter. Please direct your reply to the address above or via email at XXXX. 
Sincerely, XXXX XXXX XXXX [ Phone Number : XXXX ] Attachments : * Copies of dispute results ( Report Numbers : XXXX, XXXX, etc. ). 
* Supporting documentation submitted during disputes. 
* CFPB complaints filed against Experian.

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