Consumer complaint received 2024-08-23 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: GA

Complaint narrative:
Subject : Request for Investigation of Experian for Willful Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) investigate Experian Consumer Services for what I believe to be willful non-compliance with the Fair Credit Reporting Act ( FCRA ). This non-compliance has resulted in a violation of my federal rights, causing me significant distress. 

On XX/XX/year>, I sent a dispute to Experian Consumer Services regarding a fraudulent account appearing on my credit report. The dispute was sent to : Experian Consumer Services Attn : Arbitration Opt-Out XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The dispute was sent via certified mail with tracking number XXXX and was received by Experian on XX/XX/year>, at XXXX AM. 

Despite my detailed dispute and previous attempts to resolve this issue, including filing a complaint with the CFPB on XX/XX/year> ( XXXX XXXX. XXXX ), I have not received a response. The company in questionXXXX XXXX XXXX XXXX, has not responded to my CFPB complaint, and Experian has failed to conduct a proper investigation of the disputed account. 

This fraudulent account, which is associated with Account XXXX XXXX, is being reported inaccurately on my credit report. I have also filed an FTC report ( Report XXXX. XXXX ) regarding this issue. However, Experian has yet to provide any explanation of how they conducted their investigation or how they verified the legitimacy of this account.

I am deeply concerned about the validity and accuracy of Experians investigation process. The lack of response and proper validation from both Experian and the reporting company constitutes a violation of my rights under the FCRA. This has caused me severe emotional and financial distress, including loss of sleep, for which I have had to take sleeping medication. 

I respectfully request that the CFPB take the following actions : Investigate Experian Consumer Services for willful non-compliance with the FCRA. 
Demand the immediate deletion of the fraudulent account ( Account XXXX XXXX ) from my credit report. 
Ensure that Experian provides a notarized affidavit confirming that the information reported is accurate and that their investigation was conducted in compliance with the FCRA. 

Please note that this is my final attempt to resolve this matter before pursuing legal action. 

Enclosed are copies of my dispute letter, the FTC report, and the CFPB complaint details. I trust that the CFPB will take swift and decisive action to address this serious matter. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely,

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