Consumer complaint received 2025-02-16 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XX/XX/year> Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information in My Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccurate and misleading information that remains on my credit report despite previous attempts to correct these errors. My experience aligns with the allegations in the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian, which highlights serious deficiencies in Experians dispute handling and reinvestigation process. 

The Fair Credit Reporting Act ( FCRA ) requires that Experian conduct a reasonable reinvestigation of disputed information, provide accurate dispute results, and ensure the maximum possible accuracy of consumer reports. However, similar to the CFPBs findings, I have encountered the following issues with my dispute : 1. Failure to Properly Investigate Disputes Experian failed to conduct a reasonable reinvestigation of my dispute, as required under 15 U.S.C. 1681i ( a ). Instead, it appears to have merely relied on furnishers Automated Credit Dispute Verification ( ACDV ) responses without considering the documentation I provided.

2. Failure to Forward Relevant Information As noted in the CFPBs complaint, Experian does not consistently forward all supporting documentation to data furnishers. My dispute included [ mention specific documents, e.g., proof of payment, settlement agreement, court records ], yet these documents were seemingly ignored. 
3. Failure to Provide Accurate and Clear Dispute Results Experians response to my dispute was vague and contradictory. The outcome was marked as Updated without clarifying what had changed. This aligns with the CFPBs findings that Experians result letters are often ambiguous and misleading, violating 15 U.S.C. 1681i ( a ) ( 6 ).

4. Potential Reinsertion of Previously Deleted Information If my dispute involved an account that was previously corrected but later reinserted, Experian may have failed to comply with the reinsertion requirements under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), as outlined in the CFPB lawsuit.

Requested Action : Given these ongoing inaccuracies and Experians failure to comply with FCRA requirements, I request that you : Conduct a thorough reinvestigation of my dispute, ensuring that all relevant documentation is considered. 
Provide a clear, detailed explanation of the findings and any updates made to my report. 
Permanently delete any information that can not be verified as accurate. 
Cease any unlawful reinsertion of previously deleted information. 

Please provide a written response within the legally mandated 30-day period, as required under the FCRA. If Experian fails to comply, I will escalate this matter to the CFPB and consider further legal action. 

Enclosed, you will find copies of my credit report with the disputed information highlighted, along with supporting documentation. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of Credit Report with Disputed Items Highlighted Supporting Documentation

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