Consumer complaint received 2025-01-02 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:
On XX/XX/2023, I reviewed my credit report and identified several items that were incomplete and inaccurate. In response, I sent a formal letter to Experian on XXXX XXXX XXXX requesting an investigation into the completeness and accuracy of the reported information. However, upon receiving the results, I found that the issues were not corrected, and Experian failed to adhere to federal law. 

Violations of Federal Law 1. Failure to Ensure Maximum Possible Accuracy ( 15 USC 1681e ( b ) ) : According to 15 USC 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information on a consumers credit report. Experian failed to do so, as the inaccuracies in my report remain unresolved.

2. Failure to Provide a Description of the Reinvestigation ( 15 USC 1681i ( 7 ) ) : On XX/XX/2023, I requested a description of the reinvestigation procedures as required by 15 USC 1681i ( 7 ). This law mandates that the consumer reporting agency provide such a description within 15 days of the consumers request. To date, Experian has not provided this information, further violating federal law.

3. Failure to Correct Inaccurate or Unverifiable Information ( 15 USC 1681i ( 5 ) ) : Per 15 USC 1681i ( 5 ), if information on a consumer report is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the reporting agency must promptly delete or modify the item and notify the furnisher of the changes. Despite my dispute, Experian has not taken appropriate action to correct or remove the inaccurate information.

4. Furnishing Inaccurate Information ( 15 USC 1681s-2 ) : Under 15 USC 1681s-2 , furnishers of information are prohibited from reporting inaccurate data when they have actual knowledge or reasonable cause to believe it is incorrect. They are also obligated to cease reporting disputed information after being notified and confirming its inaccuracy. However, the inaccurate items remain on my credit report, indicating noncompliance with these obligations.

Requested Resolution I respectfully request that the CFPB investigate this matter and ensure that Experian complies with federal laws by : 1. Correcting or deleting the disputed items on my credit report. 
2. Providing a detailed description of their reinvestigation process, as required by law.

3. Taking appropriate action against any furnishers that continue to report inaccurate information. 

I have attached relevant documentation, including copies of my disputes and Experians responses, to support my complaint. Thank you for your attention to this matter. I trust that the CFPB will take swift action to ensure my rights as a consumer are upheld. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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