Consumer complaint received 2025-02-12 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: MO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report, which I believe is negatively impacting my financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I request a thorough and proper investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing failures to properly investigate consumer disputes, including sham investigations and other unlawful practices. These allegations highlight systemic issues that undermine consumer protections and contribute to the continued reporting of inaccurate information. Specifically, the CFPB has accused Experian of : Conducting inadequate investigations that fail to properly address consumer disputes. 
Reinserting previously disputed inaccurate information without explanation. 
Failing to effectively notify consumers of investigation results. 

Given these concerns, I want to ensure that my dispute is handled appropriately and in full compliance with federal regulations. 

Additionally, I have attached copies of past dispute letters that I previously submitted through the CFPB regarding these inaccuracies. Despite my prior efforts, the errors remain unsolved, and I request immediate corrective action. 

Disputed Accounts & Requested Actions : XXXX XXXX Account Number : XXXX Issue : Request for validation of this account. 
Request : Please remove this account from my credit report. 
XXXX XXXX Account XXXX XXXX : Request for validation of this account. 
Request : Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX 
Account XXXX : XXXX XXXX : Request for validation of this account. 
Request : Please remove this account from my credit report. 
XXXX XXXX  Account XXXX : XXXX Issue : Request for validation of this account. 
Request : Please remove this account from my credit report. 
XXXX XXXX Account XXXX : XXXX Issue : Request for validation of this account. 
Request : Please remove this account from my credit report. 

PLEASE UPDATE MY PERSONAL INFORMATION : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX PLEASE DELETE ALL OTHER NAMES AND ADDRESSES FROM MY CREDIT REPORT. 

Legal Obligations Under the FCRA : As required by the FCRA, I request that you : Conduct a proper and thorough investigation into my dispute. 
Provide me with a clear and detailed explanation of the investigation results. 
Supply any documentation relied upon if the disputed information is verified as accurate. 
Promptly correct or remove any inaccurate or unverifiable information. 

If any of the disputed information can not be verified or remains inaccurate, I request its immediate removal or correction from my credit report. 

Additionally, please provide me with written confirmation of any actions taken in response to this dispute. If this matter is not resolved appropriately, I reserve the right to escalate my complaint to the CFPB and other relevant regulatory agencies. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated 30-day timeframe.

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