Consumer complaint received 2025-07-08 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: NV

Complaint narrative:
I am filing this complaint against Experian for failing to properly investigate my disputes regarding inaccuracies on my credit report despite my submission of disputes Experian continuously response stating the account is accurate without providing any evidence of a thorough investigation. 

I submit this dispute on XX/XX/XXXX, XXXX XXXX they responded with my accounts were reported as accurate and they would remain. 
( ( This is the body of my dispute letter ) )....... 
According to 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they include in consumer reports. The continued reporting of erroneous, unverifiable, or outdated derogatory information constitutes a direct violation of this federal requirement. 

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ) ( C ), any disputed information that can not be verified must be deleted from my credit report, and if reinserted, must be supported by certified proof. I hereby place all listed accounts in dispute and demand that each be verified with complete documentation from the original furnisher within the statutory timeframe. 
The following items are to be investigated and removed immediately unless full verification is provided in writing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to comply with your legal obligations under the FCRA will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and my states Attorney General. I am also prepared to pursue legal action for damages resulting from the negligent and/or willful noncompliance with federal credit reporting requirements. 

This letter serves as formal notice. I request all responses be sent to my address listed above. You have 30 days from receipt of this letter to complete your investigation and provide written confirmation of the removal of the disputed items or proof of verified accuracy. 

Experience has failed to fulfill its legal obligation under the Fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate and unverifiable accounts unresolved the consumer financial protection bureau has recently filed a lawsuit against experience experience alleging systematic issues such as failing to forward consumed consumers provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes these failures align with my experience when experience has neither corrected nor removed disputed items despite of evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action violates federal law and my rights as a consumer.

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