Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Dear Experian Dispute Team, I am writing to formally dispute inaccurate information on my credit report that persists despite my previous attempts to resolve these errors. These inaccuracies have negatively impacted my credit score and caused unnecessary frustration. I request a thorough reinvestigation and correction of the following items, as required under the Fair Credit Reporting Act ( FCRA ).

Background of My Dispute : Your process for handling disputes does not appear to provide full and accurate information to furnishers, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 2 ) ( A ). I am concerned that this is the case with my dispute.

I provided supporting documentation to substantiate my claims, but it seems this documentation was not forwarded to the data furnishers. 

Your reinvestigation results have been ambiguous and confusing, failing to clearly indicate what was updated or corrected, which mirrors the issues described in the CFPB lawsuit. 

Relevant Legal Violations : The Consumer Fin

ancial Protection Bureaus ( CFPB ) recent lawsuit against Experian outlines several systemic failures in your dispute resolution process, including : Failure to forward consumer-submitted documentation to furnishers.

Mischaracterization of dispute codes, which may prevent furnishers from addressing the actual issues.

Failing to provide clear and accurate reinvestigation results to consumers. 
These issues seem to reflect my experience with your handling of my dispute, as the errors persist despite your assurances that they have been resolved.

Requested Action : I request that Experian : Conduct a reasonable reinvestigation of the disputed items and provide me with specific details of the investigation process.

Forward all relevant information and consumer-submitted documentation to the data furnishers, as required by law. 

Provide a written statement clearly outlining the results of the reinvestigation, including what information was corrected, updated, or removed.

If Experian can not verify the accuracy of the disputed information, I demand its removal from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ).

Please treat this letter as a formal dispute under the FCRA. I expect a response within 30 days, as required by law. I have enclosed copies of supporting documents to aid in the investigation.

If these issues remain unresolved, I may escalate this matter by filing a complaint with the CFPB or pursuing legal action to protect my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon 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