Consumer complaint received 2025-07-20 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: GA

Complaint narrative:
b"Laws Violated by Experian (According to CFPB Lawsuit)\nLaw\nViolation\nDescription\nFair Credit Reporting Act (FCRA)  15 U.S.C.  1681i\nFailure to conduct a reasonable investigation\nExperian allegedly conducted sham investigations, ignoring consumer-supplied documentation and relying blindly on creditors' input.\nFCRA  15 U.S.C.  1681i(a)(5)(B)\nFailure to comply with reinsertion procedures\nExperian allegedly reinserted previously deleted inaccurate data without following legal safeguards.\nFCRA  15 U.S.C.  1681e(b)\nFailure to ensure accuracy of credit reports\nExperian failed to maintain reasonable procedures to assure maximum possible accuracy of credit data.\nConsumer Financial Protection Act (CFPA)  12 U.S.C.  5536\nEngaging in unfair acts or practices\nExperians dispute handling and reinsertion failures were deemed unfair and harmful to consumers' financial well-being.\n\n\XXXX XXXX XXXX XXXX XXXX XXXX  30646\nXXXX\nDate: XXXX XXXX XXXX\nTo:\nExperian\nSubject: Formal Dispute of Inaccurate Credit Reporting  FCRA & CFPA Violations\nDear Equifax Dispute Department,\nI am writing to formally dispute several inaccurate items that are being reported on my credit report. I am a victim of the same unlawful practices for which the Consumer Financial Protection Bureau (CFPB) has recently sued Experian.\nAccording to the CFPBs lawsuit (XXXX XXXX), your agency violated the Fair Credit Reporting Act (FCRA) and the Consumer Financial Protection Act (CFPA) by:\nFailing to conduct proper investigations of consumer disputes\n\n\nFailing to communicate accurate dispute information to furnishers\n\n\nAllowing previously deleted tradelines to be improperly reinserted\n\n\nIssuing confusing or incorrect notices to consumers\n\n\nRelying on furnishers' responses without critical review, even when evidence existed suggesting the furnishers were unreliable\n\n\nI am experiencing these same harms, and I demand that these violations be immediately addressed.\nBelow is a list of inaccurate accounts currently appearing on my credit report:\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEach of these accounts is inaccurate, misleading, or unverifiable, and I have previously disputed them. Yet, they remain on my report  some even reappeared after removal, in clear violation of FCRA 15 U.S.C.  1681i(a)(5)(B).\nI am demanding:\nA full reinvestigation of the accounts listed above, in compliance with FCRA.\n\n\nRemoval of all inaccurate and unverifiable information.\n\n\nWritten confirmation of the outcome, including whether any items were deleted or verified.\n\n\nPlease consider this a formal notice of dispute under FCRA and CFPA. I also reserve the right to file complaints with the CFPB, FTC, and my State Attorney General if corrective actions are not taken within the legal timeframe of 30 days.\nSincerely,\n\nXXXX 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