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: HI

Complaint narrative:
Steps to Leverage the CFPB Lawsuit and File a Complaint Understand the Relevant Laws : 15 USC 1681e ( b ) : Requires credit reporting agencies ( CRAs ) to ensure maximum possible accuracy in consumer reports.

15 USC 1681s-2 : Obligates furnishers of information ( e.g., creditors ) to provide accurate data and correct errors.

15 USC 1681i : Details the process CRAs must follow to investigate disputes and correct or delete inaccurate information.

15 USC 1681c ( c ) : Addresses the exclusion of outdated adverse information.

Use the CFPB Lawsuit to Your Advantage : Highlight that Experian has been accused of failing to conduct proper investigations into consumer disputes, which mirrors your experience.

Mention how their alleged practices may have violated their obligations under the FCRA, impacting your creditworthiness. 
Document Your Efforts : Attach copies of the dispute letters youve sent to Experian. 
Include any responses ( or lack thereof ) from Experian. 
Provide proof of inaccuracies and their consequences ( e.g., denial of credit, housing, or employment ). 
Draft Your Complaint : Clearly outline your grievances. 
Reference the CFPB lawsuit to show a pattern of misconduct. 
Request specific remedies, such as removal of inaccurate items, proper investigations, or damages. 
Sample Complaint for CFPB Submission Heres a draft complaint for you to customize : Subject : Violation of FCRA by Experian Failure to Investigate Disputes and Ensure Accuracy Description : I am filing this complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple dispute letters sent to Experian, they have failed to comply with the following FCRA provisions : 15 USC 1681e ( b ) : Experian has not ensured the maximum possible accuracy of the information on my credit report.

15 USC 1681s-2 : Experian continues to report inaccurate information furnished by creditors without proper verification.

15 USC 1681i : Experian has not conducted a reasonable reinvestigation into my disputes as required.

15 USC 1681c ( c ) : Experian has not removed outdated adverse information from my report. 
Furthermore, I recently became aware of the CFPB lawsuit against Experian for failing to properly investigate consumer disputes and reinserting inaccurate information. My experience aligns with these allegations, as Experian has ignored or dismissed my disputes without meaningful action. 

Details of My Case : I submitted disputes on [ insert dates ] regarding [ specific inaccurate accounts ]. 
Experian responded with [ insert response or lack of response ]. 
These inaccuracies have [ explain consequences, e.g., denial of credit, housing, or employment ]. 
Requested Resolution : Immediate removal of inaccurate and outdated information from my credit report. 
A proper reinvestigation of all disputed items in compliance with the FCRA. 
Compensation for any damages caused by Experians negligence, if applicable. 
I am requesting that the CFPB take action to ensure Experian complies with its obligations under the FCRA. Thank you for your attention to this matter. 

Attachments : Copies of dispute letters sent to Experian. 
Proof of delivery ( e.g., certified mail receipts ). 
Responses ( or lack thereof ) from Experian. 
Documentation of harm caused ( e.g., credit denials, notices from lenders ). 
Would you like to refine this complaint further or add any specific details? Let me know!

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