Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department po box XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information and Request for Removal of Negative Accounts Dear Experian Dispute Department, I am writing to dispute inaccurate information in my credit report and to demand the removal of all negative accounts due to Experian 's negligence in handling my disputes. I have experienced the same issues outlined in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian, filed on XX/XX/year>, in the United States District Court for the Central District of California ( Case Number : XXXX XXXX 
Specifically, I have encountered the following problems with Experian 's dispute process : 1. Failure to Adequately Convey Dispute Information to Furnishers : Experian has failed to accurately convey all relevant information regarding my disputes to the original furnishers of the disputed information. This includes failing to provide furnishers with consumer-submitted documentation that supports the dispute, as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 2 ) ( A ).

2. Uncritical Acceptance of Furnishers ' Responses : Experian has uncritically accepted the original furnishers ' responses to my disputes, even when those responses were improbable, illogical, or inconsistent. This is a violation of the FCRA, which requires Experian to conduct a reasonable reinvestigation to determine the accuracy of disputed information. 
3. Failure to Inform of Reinvestigation Results : Experian has failed to provide me with adequate and accurate notice of the outcome of my disputes. The results letters I received were confusing, ambiguous, and often did not clearly state whether the disputed information was updated or deleted. 

These failures on the part of Experian constitute a violation of my rights under the FCRA. As a direct result of Experian 's negligence, my credit report continues to contain inaccurate information, which has caused me significant harm. 

This harm includes : Lowered Credit Score : The inaccurate negative accounts on my credit report have lowered my credit score, making it more difficult and expensive for me to obtain credit.

Denial of Credit and Housing : I have been denied credit and housing opportunities due to the inaccurate information in my credit report. 
Emotional Distress : The ongoing stress and frustration caused by Experian 's failure to correct inaccurate information have caused me significant emotional distress. 

To remedy this situation, I demand the following : Removal of All Negative Accounts : Due to Experian 's negligence in handling my disputes, I request that all negative accounts be removed from my credit report. Specifically, I am requesting the removal of the following accounts, which are listed on my credit report dated 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Provision of Accurate and Updated Credit Report : I request that Experian provide me with an accurate and updated credit report that reflects the removal of the negative accounts. 
I expect a response to this letter within 30 days, as required by the FCRA. If I do not receive a satisfactory response, I will be forced to consider further legal action to protect my rights. 

Sincerely, XXXX 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