Consumer complaint received 2025-06-03 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: MD

Complaint narrative:
Dear Experian, I am writing to formally dispute multiple inaccurate and potentially reinserted items that appear on my Experian credit report dated XX/XX/year>, which I obtained through XXXX  These disputed items are causing significant harm to my creditworthiness and are likely a result of unlawful practices outlined in the XXXX XX/XX/year> lawsuit against Experian ( CFPB v. Experian, XXXX XXXX. 

Disputed Items : 1. Derogatory Accounts and Delinquencies : I dispute the accuracy of several negative marks, including but not limited to " recent missed payments, '' " serious delinquencies, '' and " high credit usage '' factors, which may not reflect my actual payment behavior or current balances. 
2. Name Variance : The addition of a middle name ( " XXXX XXXX XXXX '' ) appears inconsistently and may be contributing to misattributed accounts. 
XXXX. Employer Name Error : XXXX is listed under employment in my Experian report without supporting verification and should be removed unless properly validated. 
XXXX. Address Mismatch : The XXXX discrepancy and date of address updates suggest potential reinsertion or errors in address history. 

Legal Grounds : On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for : - Conducting sham investigations of consumer disputes ; - Failing to properly reinvestigate disputed items ; - Reinserting previously removed errors under different furnishers without proper notice ; - Violating Section 611 and 623 of the FCRA, and engaging in unfair practices under the CFPA. 

This letter serves as a formal notice that I expect my disputes to be fully and legally investigated under FCRA 611 and that Experian complies with the reinsertion rules outlined in FCRA 611 ( a ) ( 5 ) ( B ), which prohibit adding back previously deleted information without proper notice and justification. If Experian continues to disregard proper dispute investigation procedures as highlighted by the CFPB, I will file additional complaints with : - The Consumer Financial Protection Bureau ( www.consumerfinance.gov ) - The Federal Trad
e Commission - My state Attorney Generals office Requested Actions : - Complete and documented investigation of the items listed above within 30 days - Removal of all inaccurate or unverifiable information - Provide me with a free, updated copy of my credit report showing the corrections - Written notice describing the outcome of each investigation per FCRA 611 ( a ) ( 6 ) Enclosures : - A copy of my credit report with disputed items highlighted - A copy of my government-issued ID - Proof of current address ( utility bill or similar ) Thank you for your prompt attention to this matter. I expect full compliance with federal consumer protection laws. 

Sincerely, XXXX XXXX XXXX

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