Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent Experian a dispute letter because I noticed several inaccurate and incomplete information showing on my consumer reports. XXXX did not respond within the XXXX that is aloud. 15 USC 1681i clearly states that before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller if the completeness or accuracy of any item of information contained in a comsumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The CFPB are currently suing Experian for not properly investigating disputes and fails to remove or reinsert errors on reports. And according to the FCRA everything on the credit reports is supposed to be 100 % accurate.

I attached a FTC report including evidence of Experian receiving my dispute letter and totally disregarding my dispute until I filed a CFPB reports.I will also attach a complaint supporting the fact that EXPERIAN are currently being sued by the CFPB for not properly investigation disputes and fails to remove or reinserts errors on reports. Exhibit A, B are the second dispute letter I sent to EXPERIAN through the CFPB portal with my complaint that was closed out leaving the inaccurate unverifiable accounts on my consumer reports. Also Experian just lets any creditor that doesn't have permissible purpose furnish any negative account to them without properly reinvestigating the accounts. But yet suing for the same situation that i'm currently facing with all the laws they broke. Exhibit 1,2 are the first round putting Experian on notice CFPB sues EXPERIAN for Sham Investigations of Credit Reports Errors. 
" Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing '' I will send a picture of this being posted on the CFPB wall A fair resolution will be for EXPERIAN to promptly delete these inaccurate unverifiable accounts off my consumer reports. You EXPERIAN you have broken several laws. 
15 USC ( e ) ( b ), 15 USC 1681s-2, 15 USC 1681i ( a ) ( 1 ) ( A ) just to name a few. You are currently getting sued by the CFPB for that exact reason why I had to file a complaint against you.You finally got caught bringing great harm to the consumers lives. You have caused so much damage I'm currently waiting to get denied for a car loan because of the great harm you are doing to my credit report. I have two kids that I cant raise in our own house because of your wrongdoing Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing

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