Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/year> Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian Dispute Resolution Team, I am writing to formally dispute the inaccurate information reflected in my credit report. I believe that the handling of my previous disputes has not been conducted in compliance with the Fair Credit Reporting Act ( FCRA ), as recently outlined in the Consumer Financial Protection Bureaus ( CFPB ) enforcement action against Experian.

Specifically, I am concerned that : 1. Failure to Conduct Proper Investigations : In my prior disputes, Experian failed to properly investigate my claims. The information I provided was not fully conveyed to the original furnishers, and the conclusions drawn were inconsistent and unhelpful. It appears that Experian uncritically accepted responses from furnishers, even when they were improbable or contradicted available information. 
XXXX. Reinsertion of Inaccurate Information : Despite disputing inaccuracies and receiving confirmation that certain items had been corrected or removed, I have since discovered that the same inaccurate information has reappeared on my credit report under different furnishers. This reinsertion of deleted information is both improper and harmful to me as a consumer. 
XXXX. Failure to Provide Adequate Dispute Results : The notices I received regarding my disputes were confusing and failed to clearly communicate the outcomes of the investigations, leaving me uncertain about the status of my credit report.

These practices have negatively impacted my credit score and financial well-being. I expect Experian to adhere to the FCRAs requirements and the Consumer Financial Protection Acts prohibitions on unfair acts or practices. I am now requesting : A thorough reinvestigation of the disputed items on my credit report. 
Removal of all inaccurate and improperly reinserted information.

Clear and comprehensive communication of the results of this dispute, including any corrections made to my report.

To support my claim, I have attached documentation that verifies my position and refutes the disputed items. Please ensure this evidence is provided to the original furnishers during your investigation, as required by law. 

Additionally, I have submitted a formal complaint to the CFPB regarding Experians handling of consumer disputes and the reinsertion of inaccurate information, in alignment with their recent lawsuit. 

I trust that Experian will take immediate corrective action to address these issues. I request a response within 30 days of your receipt of this letter, as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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