Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
Subject : Follow-Up Dispute : Privacy Violations and Inaccurate Credit Reporting Dear Sir/Madam , I am writing to follow up on my previous complaint and dispute regarding privacy violations, inaccuracies on my credit report, and violations of federal laws. Despite my initial efforts, these issues remain unresolved.

I am formally requesting immediate action to address violations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), 1681i ( a ) ( 6 ) ( B ) ( iii ), and 1681i ( a ) ( 5 ) ( B ). I am also referencing the recent CFPB lawsuit against Experian for sham dispute investigations, which highlights the importance of ensuring proper dispute resolution processes.

Violations of 15 U.S.C. 1681i : 1. 1681i ( a ) ( 1 ) : Reasonable Reinvestigation Under this section, credit reporting agencies ( CRAs ) are required to conduct a reasonable reinvestigation of disputed information within 30 days. However, my disputes regarding inaccurate items remain unaddressed or improperly resolved. I have received boilerplate responses that suggest the required reinvestigation was either not conducted or was performed inadequately. 
2. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Notice of Results of Reinvestigation I have not received a proper notice of the results of reinvestigations that complies with this section, which mandates that CRAs provide specific details on changes made ( or not made ) to the consumers credit report. This lack of transparency prevents me from understanding or challenging their findings effectively.

3. 1681i ( a ) ( 5 ) ( B ) : Requirement to Notify Furnishers of Deletions or Modifications CRAs are obligated to notify data furnishers when disputed items are deleted or modified due to inaccuracies. I suspect this step was not completed, as certain creditors continue to report incorrect information despite prior disputes. 

Persistent Disputes : The following items and issues remain unresolved : 1. Unauthorized Inquiries Inquiries on my credit report from Experian, XXXX, and XXXX continue to appear without my authorization or a permissible purpose under 15 U.S.C. 1681b. These inquiries include : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continue to be reported inaccurately despite being disputed. 
Late Payments : Inaccuracies persist for XXXX XXXX XXXX XXXX. 
Address Discrepancy : Experian continues to report an incorrect address for me : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 

Reference to CFPB Lawsuit : The Consumer Financial Protection Bureau ( CFPB ) has recently taken action against Experian for conducting sham dispute investigations, which raises significant concerns about the reliability of their dispute process. Given the parallels between the CFPBs findings and my own experience, I request a thorough investigation into whether similar practices have impacted the handling of my disputes. 

Request for Action : 1. Conduct a reasonable reinvestigation of all disputed items under 15 U.S.C. 1681i ( a ) ( 1 ).

2. Provide a detailed notice of the reinvestigation results under 1681i ( a ) ( 6 ) ( B ) ( iii ).

3. Notify furnishers of any required deletions or modifications under 1681i ( a ) ( 5 ) ( B ).

4. Investigate and address the lack of proper dispute handling processes at Experian, as highlighted by the CFPBs recent lawsuit. 

I have attached supporting documentation, including my credit reports, prior dispute correspondence, and personal identification. Please address this matter promptly to avoid further harm to my credit standing. 

Thank you for your attention to this serious issue. I look forward to a swift resolution and a formal update on the status of my complaint.

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