Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Investigation and Correction of Inaccurate Information Sham Investigation & Failure to Comply ( Referencing CFPB Enforcement Actions & FCRA Rights ) Report number XXXX To Whom It May Concern : I am writing to demand that Experian correct or delete the inaccurate information below on my credit report. The inaccurate information that remains on my Experian credit report despite previous dispute from report number : These ongoing issues resemble concerns highlighted in the Consumer Financial Protection Bureau ( CFPb ) enforcement actions involving credir reporting practices, particularly regarding failures to properly investigate disputes and main accurate consumer information. I am aware of the CFPBs XXXX  lawsuit against Experian alleging sham investigations. The Bureaus complaint states that Experian has : Conducted sham investigations of consumer disputes ; Failed to forward consumer evidence to furnishers ; Automatically dismissed or coded disputes without meaningful investigation ; Improperly reinserted previously deleted data ; and Violated FCRA reinvestigation requirements. 
Given these allegations, I demand that Experian not engage in any automated, superficial, or perfunctory dispute-handling in connection with my reinvestigation. My dispute must be handled in full compliance with federal law, with a complete review of all evidence I provide. Attached is the CFPB Sues Experian for Sham Investigations for your review.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am excising my right to request a reasonable investigation and correction of the inaccurate information listed below. 
I am disputing the inaccurate information as followed : XXXX. I am requesting a reinvestigation of the information below. 
XXXX. Deletion or correction of any information that can not be verified or is inaccurate. 
XXXX. Written response confirming the outcome of your investigation. 
XXXX. An updated copy of my Experian credit report. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681i, I dispute the following information on my Experian credit report as inaccurate, incomplete, or unverified. Experian must reinvestigate and, if you can not verify the information, delete it. 
XXXX. Personal Information : Inaccurate / Incorrect My file includes personal data that is incorrect, unverifiable, or not associated with me, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 607 ( b ) and FTC guidance, Experian must ensure maximum possible accuracy. I request immediate removal of all inaccurate addresses and personal data. 
XXXX. Addresses : Inaccurate / Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address identification number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address identification number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Under FCRA 607 ( b ) and FTC guidance , Experian must ensure maximum possible accuracy. I request immediate removal of all inaccurate addresses and personal data.

3. Unauthorized Hard Inquiries The following hard inquiries were not authorized by me and do not meet permissible purpose requirements under FCRA 604 : 1. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for credit with any of these entities. 
If Experian can not supply documentation proving a signed authorization or a clear permissible purpose, these inquiries must be deleted as required by FCRA 611 and 609 ( a ) ( 1 ).

Under FCRA 607 ( b ) and FTC guidance, Experian must ensure maximum possible accuracy. 

I request immediate removal of all inaccurate addresses and personal data. 
XXXX. Notice : Unauthorized Remarks XXXX. Remarks or notice codes that I did not authorize : Experian has internal records classifying the following address as a non-residential business address. If a lender or other Experian customer purchased information about this address, Experian would report it as such. This is not my address. Remove. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. This account is listed under the name XXXX XXXX XXXX XXXX which is not me. I request that this account be removed immediately. Failure to remove this inaccurate information may result in further action for reporting false information on my credit report, in violation of 15 U.S.C. 1681, 605 ( FCRA ). Under 15 U.S.C. 1666b, I have the right to dispute billing errors, including unauthorized or incorrect fees. I request that this late fee be removed immediately and that my account be corrected to reflect accurate billing. Please confirm receipt of this dispute and provide a written resolution. 
Inaccurate Information Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX Department of Education Account Number : XXXX.... 
Recent Balance : {$3800.00} ( as of XX/XX/year> ) Date Opened : XX/XX/year> Account Status : Collection account {$3800.00} past due as of XX/XX/year> XXXX. Experians Legal Obligations Under FCRA 1. 15 U.S.C. 1681i ( a ) : Conduct a reasonable reinvestigation of disputed information and delete or correct anything that is inaccurate, incomplete, or unverifiable.

2. 15 U.S.C. 1681e ( b ) : Maintain procedures to assure maximum possible accuracy of information reported.

3. 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) : Forward all evidence I supply to the furnisher.

4. 15 U.S.C. 1681i ( a ) ( 5 ) : Delete unverified information ; do not reinsert without furnisher certification.

5. 15 U.S.C. 1681n and 1681o : Experian may be liable for negligent or willful noncompliance.

III. Demand for Relief I demand that Experian : 1. Conduct a full, meaningful, and lawful reinvestigation of all disputed information as listed.

2. Delete any information that is inaccurate, incomplete, or unverifiable ; 3. Provide a written report of your findings ; 4. Send me a free updated copy of my credit report ; 5. Notify all parties who received the inaccurate information, as required under 1681i ( d ).

IV. Documentation Enclosed : My credit report ( with disputed tradelines highlighted ) Documentation supporting CFPBs XXXX lawsuit V. Notice of Further Action Failure to comply may result in complaints to the CFPB, other regulatory authorities, and potential claims for statutory and actual damages under the FCRA. 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