Consumer complaint received 2025-01-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) [ CFPB Address or Online Submission Portal ] Subject : Second Complaint Regarding Inaccurate Reporting of Disputed Accounts Dear CFPB, This is my second formal complaint regarding the failure of Experian, XXXX, and XXXX to remove two disputed accounts from my credit reports. Despite four previous dispute letters and the submission of evidence, these inaccuracies remain unresolved. Both XXXX XXXX and XXXX XXXX continue to be reported inaccurately, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the disputed accounts : XXXX XXXX ( Account ending in XXXX ) : Issue : Reported balance of {$8500.00} from an account fraudulently opened in XXXX without my authorization.No signed application or supporting documentation has been provided to verify this account 's legitimacy. The absence of Form 1099-C further invalidates this account as charged-off. 
XXXX XXXX ( Account ending in XXXX ) : Issue : Reported as " charged-off '' following improper legal action initiated in an incorrect jurisdiction. XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), and their settlement offers further confirm procedural mishandling. 
The absence of Form 1099-C also invalidates this account as charged-off. 
Recent findings by the CFPB highlight significant concerns regarding Experian and XXXX 's failure to conduct proper investigations. According to a CFPB lawsuit, these companies have engaged in sham investigations, violating consumer protection laws by failing to meet their obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. The continued presence of these disputed accounts on my credit reports constitutes a violation of these federal statutes. 

Requested Resolution : Investigate and hold Experian, XXXX, and XXXX accountable for failing to comply with FCRA requirements. Enforce the removal of the disputed XXXX XXXX and XXXX XXXX accounts from all three credit bureaus. 
Provide a formal response outlining the steps taken to address these violations. 
I am attaching the fourth dispute letter sent to the credit bureaus, which details my efforts to resolve these inaccuracies. I respectfully request your assistance in ensuring compliance with federal law and protecting my consumer rights. 

Thank you for your attention to this matter. Please contact me at XXXX or XXXX should you require further information or documentation. 

Sincerely, 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