Consumer complaint received 2025-01-20 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: PA

Complaint narrative:
Dear XXXX, XXXX and Experian Dispute Resolution Team, This letter is a formal demand for the immediate removal of inaccurate and unverifiable information from my credit report. The ongoing inaccuracies in my credit file constitute direct violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). These failures are consistent with recent findings by the Consumer Financial Protection Bureau ( CFPB ) against XXXX and Experian, highlighting systemic issues within your organization and the broader consumer reporting industry. 

Specific Accounts in Dispute : XXXX XXXX XXXX ( Account Number : XXXX ) : Your records show repeated charge-offs spanning multiple months, which inaccurately inflate the negative impact of this account. This ongoing misrepresentation violates FCRA 1681e ( b ), which mandates maximum possible accuracy in reporting. 
XXXX XXXX Services ( Account Number : XXXX ) : This account reflects significant discrepancies in its reported charge-off amounts, payment history, and balances, rendering the information unverifiable and non-compliant with FCRA 1681i ( a ) ( 5 ) ( A ). 
Violations Reinforced by CFPB Actions XX/XX/year> XXXX XXXX XXXX XXXX The CFPB determined that XXXX failed to : Conduct proper reinvestigations of disputed information. 
Prevent improper reinsertion of previously deleted data. 
Provide adequate written notice to consumers about the outcomes of reinvestigations. 
Assure maximum accuracy in reported consumer credit information. 
XX/XX/year> Bureau Lawsuit Against Experian The CFPB alleged that Experian : Truncated and distorted dispute details, relying excessively on furnishers, even when their reliability was in question. 
Failed to prevent the improper reinsertion of disputed tradelines when data furnishers changed. 
Breached FCRA obligations by failing to reinvestigate disputes adequately and to delete unverifiable or incomplete data. 
XXXX failures mirror many of these violations, particularly in its ineffective systems, flawed procedures, and excessive deference to furnishers in resolving disputes. 

My Demands Immediate Deletion of the XXXX XXXX XXXX and XXXX XXXX XXXX  accounts. 
Written Confirmation of their removal within 15 days of this letter. 
Detailed Explanation of the evidence supporting your decision if deletion is not granted, as required by FCRA. 
Consequences of Non-Compliance Failure to comply with this demand will result in the following actions : Filing additional complaints with the CFPB, Federal Trade Commission, and Pennsylvania Attorney General. 
Pursuing legal remedies for violations of FCRA and CFPA, including claims for statutory and punitive damages. 
Demanding federal and state regulators conduct audits of your compliance practices. 
These demands reflect your legal obligation to maintain accurate and fair reporting under FCRA and CFPA. Continued inaction or mismanagement will be met with further escalation. 

Enclosed are supporting documents highlighting the inaccuracies in your reporting. I expect prompt and complete resolution to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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