Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
Experian did not do a thorough investigation into my issue Experian Dispute Resolution XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information and Reference to CFPB Lawsuit Case Number XXXX Dear Experian Dispute Resolution Department, I am writing to dispute inaccurate and incomplete information that continues to appear on my credit report. This letter serves as a formal request for a thorough reinvestigation and correction of these errors. I am also writing to bring to your attention the lawsuit filed against Experian by the Consumer Financial Protection Bureau ( CFPB ), Case Number XXXX, as the issues raised in that lawsuit are directly relevant to the problems I am experiencing with your dispute resolution process. 

I am disputing the following specific items on my Experian credit report : * The account is not mine and was charged off without my knowledge * Experian did not throughly investigate my issue I believe these inaccuracies are negatively impacting my credit score and ability to obtain credit.

Specifically, I contend that Experian is engaging in practices similar to those outlined in the CFPB lawsuit, Case Number XXXX, including : * Failure to Conduct a Reasonable Reinvestigation : I have previously submitted disputes regarding these inaccuracies, but the errors persist. This suggests Experian is not conducting a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). As alleged in the CFPB lawsuit, it appears Experian is not adequately investigating consumer disputes. 
* Failure to Provide Furnishers with All Relevant Information : As the CFPB lawsuit alleges, Experian may not be forwarding all relevant information and documentation I have submitted to the furnishers of this information.

* Over-Reliance on Furnishers ' Responses : The CFPB lawsuit highlights Experian 's tendency to " uncritically accep [ t ] the original furnisher 's response to the disputed information, even when that response was improbable or illogical on its face. '' My experience suggests this is happening in my case, as the inaccurate information persists despite evidence to the contrary. 
* Failure to Provide Adequate Notice of Reinvestigation Results : I have received notices from Experian regarding previous disputes that were vague, confusing, or did not clearly explain the outcome of the reinvestigation, as described in the CFPB lawsuit. 
I demand that Experian take immediate action to : 1. Conduct a thorough and reasonable reinvestigation of the disputed items.

2. Forward all relevant documentation I have provided to the furnishers of the disputed information.

3. Independently verify the accuracy of the disputed information, rather than simply relying on the furnishers ' responses, especially given the concerns raised in the CFPB lawsuit.

4. Provide me with clear and accurate written notification of the results of the reinvestigation, including specific details of any corrections or deletions made to my credit report.

5. Remove all inaccurate information from my credit report immediately.

I expect a response within 30 days, as required by the FCRA. If the inaccurate information is not corrected promptly, I will consider all available legal options, including filing a complaint with the CFPB and pursuing legal action.

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