Consumer complaint received 2025-09-10 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: WA

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), to dispute the accuracy of certain tradelines on my consumer credit file with your agency. CFPB enforcement actions dated XX/XX/year> demonstrate your agencys recent violations of FCRA obligations regarding dispute processing, reinvestigation, deletion, and reinsertion. 

I dispute the following accounts and request their permanent deletion : 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 XXXXXXXX The information reflected from these sources is disputed and may be inaccurate, incomplete, unverifiable, or misleading. Under FCRA 611 ( b ), you are required to : Promptly conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ), Provide written notice of the results, a concise description of consumer rights, and a statement that the dispute results are based on your reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ), Delete or correct any information that is inaccurate, incomplete, or unverifiable, and Prevent re-insertion of the deleted data unless it is reverified by the furnisher and all required procedures are met ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

Given the CFPBs findings that your agency has engaged in sham investigations, routinely defers to furnishers without adequate review, and improperly reinserts previously deleted tradelines, I demand permanent removal of these accounts unless they can be validated with original, verifiable documentation.

My Rights Under FCRA : If the disputed items can not be verified, you must permanently remove them ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

You must restore the credit file to the state it would have been in had the erroneous data never been reported ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).

You must inform me in writing of the results of your reinvestigation, including deletion, modification, or validation of the information, and provide a copy of the corrected file ( 15 U.S.C. 1681i ( a ) ( 6 ) ).

Given your organizations recent violations and the heightened scrutiny from federal authorities, I trust you will handle this dispute in full compliance with the FCRA and without resorting to incomplete investigation, reinsertion, or confusing communication.

Action Requested : 1. Conduct a full reinvestigation of the above accounts.

2. Remove permanently any information that can not be proven accurate and complete.

3. Send me written confirmation of your actions, including copies of any updated consumer report segments.

Please treat this with urgency. If you continue to include these disputed tradelines despite their unverifiable nature, you will further violate my rights under FCRA 611. I reserve all rights to file complaints with the CFPB and appropriate state agencies, and to pursue legal recourse if necessary.

Thank you for your attention to this matter. I look forward to your timely and compliant response within 30 days as required by law ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, wa XXXX [ XXXX ( XXXX ) XXXX DL : XXXX XXXX Date : XX/XX/year>

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