Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
To Whom It May Concern, Attention : Experian XXXX Department LETTER OF INTENT TO SUE I am writing to file a formal complaint regarding my recent experience with a representative from Experian 's fraud department. On XX/XX/year>, I called to check the status of my dispute and spoke with a representative named XXXX. 

During our conversation, I inquired about the investigation process for my dispute. XXXX informed me that Experian does not conduct an investigation and only passes the information to the furnisher for them to investigate. He stated that Experian does not verify the information after it has been investigated by the furnisher. 

This information is concerning and contradicts my understanding of Experian 's obligations under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, Experian is required to conduct a reasonable reinvestigation of disputed information to determine whether the information is inaccurate or incomplete. This process should include verifying the accuracy of the information reported by the furnisher. 

I am particularly concerned about the inaccurate information that is still being reported on my credit report, which has not been investigated by Experian based on what XXXX stated. Specifically, the accounts with XXXX XXXX XXXX, account number # # XXXX, and XXXX XXXX XXXX  XXXX, account number # # XXXX, are still reporting inaccurate late payments and inaccurate loan terms, which have caused me to be denied for loans. 

If these inaccurate accounts are not investigated and removed from my credit report within XXXX  days, I will proceed with filing a lawsuit against Experian. XXXX will be called as a witness to confirm that Experian does not conduct investigations, and phone record conversations will be requested by the court to prove my case. 

Additionally, please be aware that a complaint has also been filed with the Attorney General, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). 

It is important to note that Experian has faced lawsuits for similar issues in the past. For example, in the case of XXXX XXXX Experian XXXX XXXX XXXX XXXX, the court found that Experian 's procedures did not meet the FCRA requirements. Furthermore, Experian agreed to a {$22.00} XXXX class-action settlement for failing to properly verify information before reporting it to third parties. 

A copy of this complaint has also been mailed to Experian by certified mail for legal purposes. I would also like to note that I called Experian on the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year>, to discuss the status of my dispute, and both times I spoke to XXXX. 

I am requesting a thorough review of this matter and immediate clarification on Experian 's dispute investigation procedures. It is crucial for consumers to have accurate and reliable information regarding the handling of their disputes. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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