Consumer complaint received 2025-01-21 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:
I am writing to formally dispute multiple inaccuracies on my credit report. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. 

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for failing to conduct legitimate investigations into consumer disputes. This action reflects a concerning pattern of non-compliance and negligence, which directly undermines the integrity of the dispute process. 

Below is a list of the items I am disputing : XXXX. ) XXXX Account XXXX XXXX XXXX {$200.00} XXXX. ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX {$24000.00} XXXX. ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$2100.00} XXXX. ) XXXX XXXX XXXX XXXX Account # XXXX XXXX {$4500.00} XXXX. ) XXXX XXXX XXXX XXXX Account # XXXX XXXX {$41000.00} XXXX. ) XXXX XXXX XXXX XXXX Account # XXXX XXXX {$35.00}, XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX {$480000.00} XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX {$990.00} XXXX. ) XXXX XXXX XXXX Account # XXXX Balance {$2.00} Please remove the following addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove the following inquiries : XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  date XX/XX/XXXXXXXX XXXX XXXX  date XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit reporting and proper handling of disputes. 

Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing complaints with CFPB, the Federal Trade Commision ( FTC ), and pursuing a lawsuit to seek damages for non-compliance. 

I expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. 

Enclosed, you will find copies of all relevant documentation to support my dispute. If you have any questions, I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

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