Consumer complaint received 2025-02-02 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute and Request for Immediate Corrective Action Under the FCRA Dear Experian Dispute Department, I am writing to formally dispute the accuracy and verifiability of multiple accounts on my credit report. Despite providing substantial evidence supporting my claims, Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of these disputed items. As a result, incorrect and unverified accounts remain on my credit file, causing significant harm to my credit standing. 

Recent legal action by the Consumer Financial Protection Bureau ( CFPB ) highlights systemic issues within Experians dispute process, including the failure to forward consumer-provided evidence to furnishers, acceptance of unreliable responses, and inadequate consumer notification of dispute outcomes. These failures align with my personal experience, wherein Experian has neither corrected nor removed the disputed items despite clear evidence provided.

I demand immediate corrective action regarding the following accounts : 1. XXXX XXXX XXXX Listed as a collection account with a balance of {$500.00}. Reported by Experian on XX/XX/XXXX. 
2. XXXX XXXX XXXX  New account reported on XX/XX/XXXX, on my TransUnion credit file, with a balance of {$360.00}. 
3. XXXX XXXX  Listed as a collection account with a balance of {$790.00}, flagged on XX/XX/XXXX. 
4. XXXX  Reported a new account on XX/XX/XXXX, with a balance of {$0.00}. 
5. XXXXXXXX XXXX XXXX XXXX Account charged off with a balance of {$2300.00}, last updated in XX/XX/XXXX. 
6. XXXX XXXX XXXX XXXX XXXX Collection account with a balance of {$1000.00}, reported under original creditor XXXX XXXX XXXX XXXX, on record until XX/XX/XXXX. 
7. XXXX XXXX XXXX Collection account with a balance of {$390.00}, reported by XXXX XXXX , on record until XX/XX/XXXX. 
8. XXXX XXXX XXXX  ( Duplicate Entry ) ** Another collection account flagged on XX/XX/XXXX with a balance of {$1000.00}. 

Experians inaction constitutes a violation of my rights under the FCRA, particularly under Section 611 ( a ), which requires a reasonable reinvestigation of disputed information. I am formally requesting the following actions : - Conduct an immediate and thorough reinvestigation of the disputed accounts.

- Remove or correct all inaccurate, unverifiable, or outdated information. 
- Provide a detailed response outlining the actions taken, including documentation supporting any verification of the accounts. 
- Cease any further reporting of disputed, unverifiable accounts that violate federal law. 

Should Experian fail to comply with this request within the legally mandated 30-day timeframe, I will be forced to escalate this matter, including filing complaints with the CFPB and considering legal action for non-compliance with the FCRA.

Please provide confirmation of receipt of this dispute and notify me of the investigation results in writing at the above address. I appreciate your prompt attention to this matter. 

Sincerely, 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