Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Since XXXX of XXXX, I have been trying to get the credit agencies to publish any accurate credit report for me by having them verify inaccurate information. Whenever I asked for a correction, they would state Verify. I had to write six to seven letters to get any action, but it wasnt until I contacted the State Attorney 's office. I contacted XXXX XXXX and the courts, asking them to verify the information they supplied to the credit agencies. XXXX XXXX and the court stated there had been no response from Experian, XXXX, or XXXX. 

15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. 

Based on the previous information, I am hereby demanding the reinvestigated Bankruptcy with the XXXX Courts or delete of the above accounts from my XXXX file pursuant to 15 U.S.C. 1681i ( 5 ) ( a ) ( 1 ) ( a ). The FCA law states : Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Experian, XXXX ( XXXX XXXX ), or XXXX ( XXXX XXXX ) have violated my consumer rights. I am working with XXXX XXXX from the State Attorney 's office to build a case against all three agencies. Based on the evidence I have, the public record should be deleted. 
There is a fact XXXX has been involved in a lawsuit for not following procedures to ensure accurate credit reporting. 

Case # 1 Inaccurate Credit Reporting Result : 2nd-largest settlement ever under Fair Credit Reporting Act Year : XXXXXXXX XXXX XXXX Experian Information Solutions In XX/XX/XXXX, the Court approved a {$45.00} XXXX settlement on behalf of XXXX claimants against the nations three largest repositories of consumer credit information, Experian Information Solutions , Inc. , XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Plaintiffs charged that defendants violated the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. The {$45.00} XXXX settlement constitutes the second-largest settlement ever in a lawsuit alleging violations of the FCRA. 

During the litigation Credit reporting agencies must now reconcile creditors information against available public bankruptcy records to assure maximum possible accuracy. 

I am writing this letter because I have evidence Experian has not investigated any dispute letter that I send in or by phone. I have been trying to get Experian to verify the information that is appearing on my credit report, which I know is inaccurate. Each time the report comes back verified.

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