Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
Experian XXXX XXXX XXXX, TX XXXX Subject : Failure to Provide Evidence of Account Validation Formal Dispute & Legal Noncompliance Concerns Dear Experian Dispute Department, This is my third formal dispute regarding inaccurate information on my credit report.

Experian has repeatedly failed to provide evidence of how these disputed accounts have been validated, despite my multiple requests for reinvestigation.

Furthermore, given the recent legal actions taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), I am highly concerned that my rights are being violated. The CFPBs findings demonstrate that Experian has engaged in unlawful credit reporting practices, failing to follow proper procedures for verifying account information. This ongoing issue raises serious doubts about the legitimacy of your investigation process and your compliance with federal law. 

The specific items I am disputing are as follows : XXXX XXXX - Account XXXX I never opened this account and request its immediate removal from my credit report OR EVIDENCE OF INVESTIGATION VALIDATING ACCOUNT UNDER MY NAME. 

XXXX XXXX - Account XXXX I never opened this account and request its immediate removal from my credit report OR EVIDENCE OF INVESTIGATION VALIDATING ACCOUNT UNDER MY NAME. 

XXXX XXXX - Account XXXX I never opened this account and request its immediate removal from my credit report OR EVIDENCE OF INVESTIGATION VALIDATING ACCOUNT UNDER MY NAME. 

XXXX XXXX XXXX Account XXXX I never opened this account and request its immediate removal from my credit report. I never opened this account, and this company sold the debt to XXXX XXXX XXXX XXXXXXXX later closed the account with a XXXX balance. I communicated with XXXX XXXX XXXX and they confirmed that my information is not on their system, I also contacted XXXX Credit XXXX and they also confirmed and send me a letter that they did buy and account from XXXX XXXX XXXX and due to a previous investigation, they did close with XXXX balance. 

Experian did not provide any details on how this account was verified despite the supporting documentation I submitted, despite the several calls and letter I sent. This is a failure on Experians part, and I request an immediate investigation and correction.

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Under FCRA 611 ( 15 U.S.C. 1681i ), Experian is required to conduct a reasonable reinvestigation of disputed items within 30 days. If Experian can not verify the accuracy of these items, they must be deleted from my credit report. Additionally, failure to comply with the FCRA may result in legal action against Experian for non-compliance. 

Enclosed are copies of supporting documents, including the previous dispute results received on XX/XX/year>, that substantiate my claim. Please correct the errors on my credit report and provide me with an updated copy reflecting the changes. Additionally, I request that you notify any creditors or parties that have received my credit report of these corrections. 

If Experian is unable to verify the accuracy of the disputed items, I demand their immediate removal from my credit report. Please respond to this dispute in writing within the legally required timeframe. 

Failure to act in accordance with the FCRA may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies, as well as potential legal action to enforce compliance. 

Thank you for your prompt attention to this matter. I expect immediate action and a resolution to this ongoing issue. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information.

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