Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  **Re XXXX Dispute XXXX Report XXXX XXXXXXXX | Inadequate Investigation of Disputed Items** To Whom It May Concern : I am writing to formally contest the results of your reinvestigation into the disputed items on my credit report ( Report # XXXX, issued XX/XX/XXXX ). Your response fails to comply with the XXXX XXXX XXXX XXXX ( FCRA ), 15 U.S.C . 1681 et seq. **, specifically **1681i ( a ) ( XXXX ) ( A ) ** ( reasonable reinvestigation ) and XXXX ( b ) ** ( accuracy ). Additionally, your methodology aligns with the XXXX XXXX XXXX XXXX XXXX CFPB ) XXXX findings** in its XXXX enforcement action against Experian, which cited systemic failures to intake, process, investigate, and notify consumers about disputes, resulting in inaccurate credit reports. 

-- - # # # XXXX. Specific Violations and Discrepancies** # # # # **a. Failure to Address Identity Theft Indicators** The following accounts were flagged for potential identity theft in my dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... ** Your response merely instructed me to contact the credit XXXX directly, which violates **15 U.S.C. 1681c-2**, requiring credit bureaus to block fraudulent information upon receiving an identity theft report. I provided evidence of identity theft, yet Experian failed to : - XXXX the fraudulent accounts. 
- Notify the furnishers to cease reporting these items. 
- Provide written confirmation of resolution. 

# # # # **b. Incomplete Investigation of Disputed Items** Your letter states, *Disputed item not listed on credit report* for some accounts. However, these items *do* appear in my credit file, as evidenced by your prior communications. This contradicts **15 U.S.C . 1681i ( a ) ( XXXX ) ( B ) **, which mandates that CRAs promptly delete unverifiable information. 

# # # # **c. Pattern of Noncompliance with CFPB Standards** The XXXX XXXX consent order against Experian ( XXXX XXXX XXXXXXXX ) found that your company : - **Fails to forward all relevant dispute documents to furnishers** ( violating XXXX ( a ) ( XXXX ) ( A ) ). 
- **Does not conduct reasonable investigations** ( violating XXXX ( a ) ( XXXX ) ( A ) ). 
- **Leaves inaccurate information on credit reports**, harming consumers access to credit, housing, and employment. 

Your boilerplate response to my dispute reflects these systemic failures. 

-- - # # # XXXX. Demanded Actions** Pursuant to the FCRA and CFPB requirements : XXXX. **Immediately block or delete** all accounts linked to identity theft and confirm removal in writing. 
XXXX. **Reinvestigate all disputed items**, including furnisher communications, and provide : - Detailed documentation of your investigation. 
- Copies of correspondence with furnishers. 
XXXX. **Certify compliance** with XXXX ( a ) ( XXXX ) by issuing a revised credit report. 
XXXX. **Explain in writing** how your methodology aligns with the CFPBs XXXX corrective actions. 

-- - # # # XXXX. Legal Notice** Failure to resolve these inaccuracies within XXXX days** will compel me to : - File a complaint with the **CFPB** and **Federal Trade Commission ( FTC ) XXXX XXXX 
- Pursue legal remedies under **15 U.S.C. 1681n & 1681o** for willful noncompliance and damages. 

Sincerely, *XXXX XXXX XXXX XXXX : - Copy of Dispute Results ( Report XXXX XXXXXXXX ) - Identity Theft Report ( if applicable ) -- - **Key Legal References** - **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ** : Requires CRAs to conduct a reasonable investigation of disputes. 
- **15 U.S.C. 1681c-2** : Mandates blocking of identity theft-related information. 
- XXXX XXXX XXXX ( XXXX ) ** : Highlights Experians systemic failures in dispute handling. 

**Note** : Retain copies of all correspondence. Consult an attorney for case-specific advice.

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