Consumer complaint received 2024-03-10 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: FL

Complaint narrative:
Experian, I am writing to express my deep concern and frustration regarding an incorrect charge that has been erroneously attributed to me by XXXX XXXX. Despite my repeated attempts to rectify this situation, I have been met with nothing but stall letters from your organization. 

Let me be clear : the charge in question is not mine, and I am in no way responsible for it. It is unacceptable that this false information continues to appear on my credit report, potentially damaging my credit score and hindering my ability to secure credit in the future. 

As a consumer, I have the right to an accurate credit report, and it is your responsibility as a credit reporting agency to ensure that the information you provide is correct and up-to-date. By allowing this incorrect charge to persist on my report, you are failing in your duty to maintain accurate records and are causing me undue stress and inconvenience. 

Moreover, I believe that your handling of this matter is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Section 611 ( a ) ( 1 ) ( A ) - Reinvestigations of Disputed Information : If a consumer notifies a credit reporting agency ( CRA ) that they dispute the accuracy or completeness of any item of information contained in their file, the CRA must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file within 30 days.

2. Section 611 ( a ) ( 5 ) ( A ) - Treatment of Inaccurate or Unverifiable Information : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the CRA shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

By failing to properly investigate my dispute and remove the incorrect charge from my credit report, you are in direct violation of these FCRA provisions. 

I demand that you take immediate action to investigate this matter thoroughly and remove the erroneous charge from my credit report. Furthermore, I insist that you provide me with written confirmation once this issue has been resolved. 

I remind you that under the FCRA, you are obligated to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. Failure to do so can result in legal consequences. 

I urge you to prioritize this matter and address it promptly. I have been patient thus far, but I will not hesitate to escalate this issue to the appropriate authorities, including the Federal Trade Commission ( FTC ), if necessary. 

Thank you for your attention to this pressing matter. I look forward to your swift response and resolution.

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