Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland, XXXX XXXX XXXX XX/XX/year> **Experian Information Solutions , Inc.** XXXX XXXX XXXX XXXX, TX XXXX **Subject : Formal Dispute of Inaccurate Information on My Credit Report** Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that remains on my credit report despite previous attempts to have it corrected. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The lawsuit outlines multiple failures by Experian, including : - Failing to conduct a reasonable reinvestigation of disputed information. 
- Failing to forward all relevant dispute information to data furnishers. 
- Incorrectly notifying consumers of dispute outcomes with unclear or misleading responses. 
- Allowing deleted inaccurate information to be reinserted into consumer reports without proper verification. 

These same issues have occurred in my case, as I have repeatedly disputed, XXXX XXXX XXXX is not an account I created nor authorized on my credit report. Despite providing supporting documentation, Experian has failed to adequately investigate and correct these inaccuracies, negatively impacting my creditworthiness. 

Under the FCRA ( 15 U.S.C. 1681i ), Experian is legally required to conduct a **reasonable reinvestigation** of disputed information and notify me of the results clearly. Furthermore, if Experian can not verify the accuracy of the disputed item, it must **delete or correct** the information. Given the CFPBs lawsuit alleging Experians systemic failure to comply with these obligations, I am demanding immediate action on my dispute. 

Enclosed with this letter, I have included the following : 1. A copy of my credit report with the disputed items highlighted.

2. Supporting documentation proving the inaccuracy of the disputed items. 

I request that you immediately reinvestigate these errors and provide a clear and detailed explanation of your findings. If Experian is unable to verify the disputed information as accurate, it must be **removed from my credit report**. 

Failure to correct these errors in a timely manner may result in further action, including filing complaints with the CFPB and pursuing legal remedies. Please respond to this dispute within the **30-day timeframe** required under the FCRA. 

I expect confirmation of this dispute and a proper resolution. You may contact me at XXXX or XXXX should you require any additional information. 

Sincerely, XXXX XXXX XXXX ( Enclosures : Copy of credit report, Supporting documents )

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