Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
Formal Complaint for Failure to Conduct a Proper Investigation and Request for Re-Investigation Dear CFPB Representative, I am writing to formally lodge a complaint regarding the failure of the credit bureaus to conduct a proper investigation of the disputed accounts on my credit report. This complaint pertains to the lack of adherence to the Fair Credit Reporting Act ( FCRA ) by the credit bureaus in question. 

On XX/XX/year>, I submitted a dispute regarding the following accounts : I completely disagree with the response from your investigation. The following incorrect items, which I have listed below, still remain on my credit report even after your investigation. I request that you re-investigate these items immediately and provide a valid reason for them. These inaccuracies are causing significant harm to my credit rating. 


1. The following information is outdated. I would like it removed from my credit history report XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
2. Validate Account XXXXXXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
3. Other information I would like changed XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. This is the wrong creditor for this item XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

The credit bureaus responded with a stall letter and simply verified the accounts without conducting a thorough investigation as required under the FCRA. I am formally requesting the method of verification and specific details on how the verification was conducted, including the names and contact information of individuals involved in the process. 

The response from the credit bureaus constitutes a violation of their obligation under the FCRA to conduct a proper investigation. As such, I am requesting a re-investigation of the disputed accounts. The FCRA mandates that credit bureaus investigate disputed information and provide a detailed response regarding their findings. Failure to do so is a clear violation of my rights under the FCRA. 

If the credit bureaus ignore this request or fail to conduct a proper re-investigation, they will be in further violation of the FCRA, and I will seek appropriate remedies and compensation for these violations. 

I expect prompt and thorough action on this matter. Please ensure that the credit bureaus fulfill their legal obligations and provide the necessary documentation and details regarding the investigation of my disputes. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

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