Consumer complaint received 2025-02-11 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: IL

Complaint narrative:
ON MULTIPLE OCCASIONS i HAVE SUBMITTED DISPUTES WITH ALL THREE BUREAUS TO VERIFY ACCURACY OF DEBT. i WAS NEVER PROVIDED METHOD OF VERIFICATION OR PROOF THAT THE DEBT WAS MINE. PLEASE SEE ATTACHMENTS. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian Information Solutions Inc Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX RE XXXX Formal dispute of Inaccurate Credit Reporting under FCRA and Consumer law To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C section 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian, Equifax, and TransUnions failure to conduct proper investigations. Specifically, in a lawsuit against Experian, where the CFPB alleges that the company engaged in sham or fraudulent investigations. Which are in clear violation of consumer rights and law resulting in failure failing to meet its obligations under the FCRA As per 15 U.S.C section1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C section 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

1. I hereby request that all bureaus conduct a thorough reinvestigation of the following accounts. All have come back previously verified through the CFPB. Additionally, I requested validation of debt of the following collections and singular public record. Please see below : 2. Provide me with all documentation previously requested on multiple occasions, used to verify the accuracy of the disputed information.

To Include : 1. Purchase agreement with wet signature 2. Ownership of the debt transferred from the original creditor or debt collector to the debt buyer 3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect that this dispute request be handled with the utmost seriousness and compliance with legal standards Due to this ongoing matter being consistently ignored and mishandled this will be the last attempt to rectify this situation before legal escalation. 

Please respond to the dispute in writing within the legally mandated timeframe. Additionally, please provide written confirmation of any changes made to my credit file. 


Inaccurate Reporting Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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