Consumer complaint received 2025-01-11 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: VA

Complaint narrative:
Disputing the same accounts for 3 months Despite my previous attempts to resolve these 21 accounts inaccuracies, Experian continues to report unverifiable, incomplete, or inconsistent information on my credit file. I am invoking my rights under the FCRA ( 15 U.S.C. 1681i ) and request a thorough reinvestigation of the disputed items to ensure compliance with federal standards.

Previous disputes I submitted resulted in vague or generic responses that failed to clarify what information was verified, updated, or left unchanged. This aligns with allegations in the CFPB lawsuit regarding Experians inadequate reinvestigation processes and ambiguous results letters. 

Subject : Formal Dispute Regarding Systemic Inaccuracies and Incomplete Information on My Credit Report.

Dear Experian Dispute Department, I am writing to formally dispute 21 inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian ( Case No. XXXX ). 
Specifically : 1.Experian responses to my disputes fail to reflect accurate investigations. For instance, despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution. 

2. Failure to Forward Relevant Information to Furnishers : Experian has seemingly failed to forward all relevant information I provided, which mirrors issues cited by the CFPB regarding Experian 's neglect in transmitting accurate dispute details to furnishers. 

3. Unclear or Misleading Dispute Outcomes : The results of your reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof, leaving me unable to determine the resolution.

To comply with the FCRA and rectify the inaccuracies on my credit report I demand the following : 1. A thorough reinvestigation of the disputed items, including all supporting documentation I have provided. 
2. A detailed written explanation of the reinvestigation, explicitly identifying any updates or reasons for the disputed information remaining.

3. Immediate removals of any inaccurate, incomplete are unverified information on my credit report.

I have attached copies of relevant documents, supporting my dispute.

Please be advised that under the FCRA, you are required to complete your reinvestigation within 30 days of receiving this letter. Failure to comply with FCRA standards, as highlighted in the CFPB lawsuit, will result in further action, including escalation to the Consumer Financial Protection Bureau ( CFPB ) or potential legal action. 

Thank you for your immediate attention to this matter. I look forward to your response within the mandated time frame. Please confirm receipt of this dispute letter and provide an updated credit report reflecting the corrections or deletions.

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