Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint against Experian for negligence and noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n and 15 U.S.C. 1681i, regarding inaccurate information that continues to be reported on my credit file, even though another credit reporting agency, XXXX, has already deleted the same account due to inaccuracies. I disputed the account after noticing discrepancies, and while XXXX took the necessary action to remove it, Experian failed to do the same.The account in question is [ insert account name, number, or other identifying information ], which I found to be inaccurately reported on my credit report. After discovering this error, I filed a dispute with all three credit reporting agencies, including Experian. As a result of its investigation, XXXX determined the account to be inaccurate and deleted it from my credit file. However, Experian did not take similar action and continues to report the inaccurate .Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681n requires that if a consumer identifies inaccurate or incomplete information in their credit file, the credit reporting agency must promptly investigate the dispute and take appropriate action, including correcting or removing the inaccurate information.In addition, 15 U.S.C. 1681i further emphasizes the duties of credit reporting agencies during the dispute process. It states that if a consumer disputes information on their report, the agency must conduct a reasonable investigation into the disputed information, which includes reviewing all relevant documentation provided by the consumer. If the information is found to be inaccurate or can not be verified, the agency is required to delete or correct it.When one credit reporting agency, such as XXXX, deletes an account after finding inaccuracies, other CRAs ( like Experian ) are required to conduct their own investigation into the same account and either correct or delete the information if it is found to be similarly inaccurate. Experians failure to act after XXXX removed the account is a clear violation of the FCRA. Experian has continued to report the same inaccurate account, and this oversight demonstrates noncompliance with both 15 U.S.C. 1681n and 15 U.S.C. 168n.Experian has failed to conduct an adequate investigation into this account. The law mandates that credit reporting agencies conduct a reasonable investigation into any disputed information and take prompt action to correct or delete any inaccurate or unverifiable items. However, Experian has not deleted this account, nor have they corrected the inaccuracies. The account continues to be reported inaccurately, which is harming my creditworthiness. 
Given that XXXX has already deleted the account after an investigation, Experian is obligated to review the same information and take the necessary corrective actions. Instead, Experian 's failure to delete the inaccurate account shows negligence and a disregard for the legal obligations set forth in the FCRA.I request that Experian immediately investigate the inaccuracies surrounding this account and delete the account from my credit report. The account is either inaccurate, outdated, or unverifiable, as demonstrated by its removal from my XXXX report. Furthermore, I ask that Experian provide a detailed explanation of the steps taken to investigate and resolve this issue.If Experian fails to take corrective action or conduct a thorough reinvestigation, I respectfully request that the Consumer Financial Protection Bureau take appropriate action to ensure Experian is held accountable for its failure to comply with the Fair Credit Reporting Act, specifically 15 U.S.C. 1681n and 15 U.S.C. 1681i.

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