Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX XXXX XXXX ] XXXX, XXXX  XXXX ] [ ( XXXX ) XXXX ] [ XXXX ] Date : [ XXXX XXXX   ] Experian XXXX XXXXXXXX XXXX XXXX, XXXX   XXXX Subject : Dispute of Inadequate Investigation of Credit Report Errors Dear Experian Dispute Resolution Team, I am writing to formally dispute the handling of my credit report dispute and the apparent failure of your investigation process. Despite my efforts to have inaccuracies corrected, I have not received a satisfactory or thorough investigation of the issues I raised. I am deeply concerned that your actions ( or lack thereof ) regarding my dispute are jeopardizing my access to credit, employment opportunities, and housing. 

On [ XX/XX/XXXX, XXXX   ], I submitted a complaint regarding [ list specific inaccuracies, e.g., incorrect account information, late payments that were inaccurately reported, or fraudulent accounts ]. According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a proper and thorough investigation of any disputes filed by consumers. However, your investigation process has been flawed in the following ways : Failure to Contact the Appropriate Parties : Your investigation did not seem to involve contacting the creditors or verifying the information in question, which is essential to ensure accurate reporting. 

Inadequate Documentation or Explanation : The results of your investigation were provided without sufficient documentation or explanations regarding how you arrived at your conclusions, leaving me uncertain about what steps were taken. 

Failure to Resolve the Dispute : The disputed information has remained on my credit report, continuing to affect my credit score and preventing me from accessing essential services such as credit, employment, and housing. 

As a result of these issues, I am requesting the following actions : Remove all negative accounts from my credit reports. 

Remove all negative inquiries from move than Ten Years Ago or better.

A complete and detailed explanation of the steps taken during the investigation of my dispute.

An immediate correction or removal of any inaccurate or incomplete information on my credit report.

A review of your dispute process to ensure compliance with the FCRA and to prevent similar failures in the future.

Please provide a prompt and thorough response to this matter. I expect to hear from you within the 30-day timeframe as required by law. Should you fail to properly address this issue, I will be forced to escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) and seek further legal action to ensure that my rights are upheld. 

Thank you for your immediate attention to this critical matter. I look forward to your response and the timely resolution of my dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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