Consumer complaint received 2025-04-04 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: PA

Complaint narrative:
Subject : Formal Dispute and Demand for Immediate Removal of Negative Accounts Experian Dear CFPB Representative, I am writing to you under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 and 5536 ) to formally dispute and demand the immediate removal of negative accounts from my credit report as reported by Experian. 

I have been a victim of Experians unfair practices and demand the immediate removal of these negative accounts. 

I have been directly affected by multiple violations of the law committed by Experian, as already recognized by the Consumer Financial Protection Bureau ( CFPB ). Due to negligent and fraudulent practices, my credit history has been severely damaged, causing me financial and personal harm. 

As a result of Experians errors and failures in managing credit information, I demand the immediate removal of all negative accounts reported on my credit file. 



Violations Committed by Exp

erian 1. Failure to Conduct a Proper Investigation of My Disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) I submitted disputes regarding incorrect information on my report, but Experian failed to conduct a fair investigation or correct the errors. 2. Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Some negative accounts that were previously removed have reappeared on my report without justification or prior notification. 3. Inaccurate Reporting and Lack of Quality Controls ( 15 U.S.C.
1681e ( b ) ) Experian is required to maintain procedures to ensure the accuracy of credit reports. However, due to defective systems and verification failures, my credit history has been unfairly damaged.

4. Deceptive Practices in Communication with Consumers ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) In response to my disputes, I have received contradictory and misleading information, which constitutes an illegal practice. 



Negative Accounts That Must Be Removed Below are the accounts that have been incorrectly reported by Experian, and that I demand be immediately removed from my credit report : [ XXXX XXXX XXXX ] ( Partial Account Number : XXXX ) Late Payments Reported : XX/XX/XXXX Dispute : I have disputed it for late payments that I have not made, and they have not removed it. I never had any late payments on this account. 

[ XXXX XXXX  ] ( Partial Account Number : XXXX ) Late Payments Reported : XXXX XXXX Dispute : I have disputed it for late payments that I have not made, and they have not removed it. I never had any late payments on this account. 

XXXX XXXX XXXX  ] ( Partial Account Number : XXXX ) Late Payments Reported : XXXX XXXX Dispute : I have disputed it for late payments that I have not made, and they have not removed it. I never had any late payments on this account. 




I Demand Immediate Action Since the CFPB has already fined XXXX {$15.00} million and has sued Experian for these same practices, Experian has already been found guilty of these violations. 

Therefore, I demand the following : 1. Immediately remove all negative accounts listed in this letter.

2. Provide me with an updated credit report reflecting these changes.

3. Cease any reinsertion of incorrect information in my credit history. 

If Experian fails to comply with this request within the legal 30-day period under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), I will file a formal complaint with the CFPB and consider legal action for damages. 

Sincerely, 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