Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX Md, XXXX XXXX XX/XX/year> To : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Accounts Request for Investigation and Removal Dear Credit Bureau Representative XXXX I am writing to formally dispute the charge-off accounts appearing on my credit report. 

XXXX. XXXX XXXX XXXX XXXX ( {$430.00} ) XXXX XXXX XXXX XXXX FL XXXX XXXX, DE XXXX XXXX. XXXX XXXX ( {$3100.00} ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX. XXXX XXXX XXXX XXXX ( {$120.00} ) XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX. XXXX BANK XXXX XXXX {$460.00} ) XXXX XXXX XXXX XXXX CO XXXX XXXX. XXXX XXXX XXXX ( {$1400.00} ) XXXX XXXX XXXX XXXX SC XXXX XXXX. XXXX XXXX XXXX ( {$930.00} ) XXXX XXXX XXXX XXXX SC XXXX XXXX. XXXX XXXX XXXX ( {$1100.00} ) XXXX XXXX XXXX  XXXX XXXX XXXX MI XXXX XXXX. XXXX XXXX XXXX ( {$5200.00} ) XXXX XXXX XXXX GA XXXX According to the recent lawsuit filed by the Consumer Financial Protection Bureau ( XXXX  ) against Experian Information Solutions XXXX XXXX ( Case No. XXXX ), Experian has been found XXXX have violated the Fair Credit Reporting Act ( XXXX  ) and the Consumer Financial Protection Act ( XXXX ) by failing to conduct reasonable reinvestigations of disputed accounts and inaccurately handling consumer disputes. 

Pursuant to the findings in this lawsuit, I believe my charge-off accounts were not properly verified and XXXX contain inaccurate, incomplete, or unverified information. Under the FCRA ( XXXX XXXX. XXXX ), I am requesting that you : XXXX. XXXX a Reasonable Reinvestigation Ensure that all disputed charge-off accounts are thoroughly reviewed, including forwarding all relevant information to the original data furnishers. 

XXXX. Provide XXXX or Remove the Accounts If the accounts can not be verified as accurate, complete, and legally valid, they must be deleted from my credit report immediately. 

XXXX. Provide Me with Documentation Send me copies of all verification documents used to confirm the accuracy of these accounts, including proof of my liability, a debt validation letter. 

XXXX. Proof of Contract Agreement Please provide a copy of the original contract or agreement with my signature, demonstrating that I authorized this account and agreed to be financially responsible for it. 

The CFPB lawsuit highlights XXXX failures in handling consumer disputes, including not forwarding disputes to furnishers within the required time, mischaracterizing disputes, and over-relying on furnishers without conducting a reasonable investigation. 

Please respond within XXXX  days of receipt of this letter with the results of your investigation. If these charge-offs can not be verified, they must be deleted from my credit report immediately. 

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