Consumer complaint received 2025-02-05 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate information that remains on my credit report, despite my previous attempts to resolve these errors. My experience aligns with the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian ( Case No. 8:25-cv-00024 ) on XX/XX/XXXX, in which the agency alleged multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Specifically, Experian has failed to conduct reasonable reinvestigations, misrepresented the nature of my dispute to furnishers, and continued reporting inaccurate information in violation of my rights under federal law. 
Accounts/Items in Dispute : XXXXXXXX XXXX XXXX - Fraudulent Account XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry Violation of FCRA Requirements Under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of any disputed information. However, according to the CFPB lawsuit, Experian has a pattern of : Failing to forward all relevant dispute details and supporting documents to furnishers.

Relying uncritically on furnishers responses, even when they are illogical or inconsistent.

Sending consumers misleading or unclear results regarding dispute investigations.

Allowing previously deleted inaccurate information to be reinserted onto credit reports.

My Legal Rights & Requested Action Pursuant to the FCRA, I request that Experian : Conduct a proper reinvestigation of my dispute by forwarding all relevant information and supporting documentation to the furnishers.

Provide me with a written statement detailing whether the disputed information has been corrected or deleted.

Immediately delete or correct all inaccurate, incomplete, or unverifiable information from my credit report.

Cease the reinsertion of any deleted inaccurate information unless it complies with the certification and notification requirements under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide me with a free updated copy of my credit report once the disputed items have been resolved.

If Experian fails to properly investigate and correct my disputes in compliance with federal law, I am prepared to file a formal complaint with the CFPB and seek legal action for damages under 15 U.S.C. 1681n and 1681o.

I have attached copies of supporting documents ( credit report, correspondence, payment records, etc. ) to substantiate my dispute. Please respond to this dispute within the 30-day period required by law. 
Sincerely, 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