Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX To whom it may concern, This letter is a formal complaint that you have ignored my request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws endure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Please refer to my previous disputes for the information that needs to be investigated By the provisions of the fair credit reporting act I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 u.s.c sec.1681 I ( a ), you must complete this reinvestigation within ( 30 ) days as of the date listed above of this letter. 
credit acceptance inquiry dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX The information above must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in reporting. 
Please remove all non-account inquiries over 30 days old Please add a promotional suppression to my credit file Please remove all accounts that are no METRO 2 COMPLIANCE Please note that I am keeping a careful record of your actions including your method of verification. I DO NOT consent to the e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in small claims action against your company, seeking {$5000.00} per violation for : inquiries highlighted and listed above Under federal law you have ( 30 ) days to complete your investigation. Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 15 ) days of the completion of your re-investigation Furthermore in accordance with the fair credit reporting act, public law 91-506 title VI section 611 subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provid

e : 1. The names and businesses of each individual with whom you have verified the information with above so that I may follow up 2. The date you contacted the individual 3. The method of communication you used to verify the information I would also like to know if the furnisher you provided with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. P.S be aware that depending upon your response. I may be detailing any potential issues with your company via online and public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to organizations below Cc : XXXX XXXX assistant director of enforcement consumer financial protection XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : consumer financial protection bureau Cc : attorney generals office Cc XXXX XXXX XXXXXXXX XXXX XXXX XXXX state senate Cc : federal deposit insurance corporation Cc : federal reserve system Cc : credit and insurance Cc : federal trade commission Cc : state regulatory agency Cc : California regulatory agency division of consumer complaints Sincerely yours : XXXX XXXX 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