Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Request for Proper Investigation and Resolution Dear Experian, I am writing to formally dispute certain information on my credit report, which I believe to be inaccurate and potentially harmful to my financial standing. This dispute is submitted under the protections provided by the Fair Credit Reporting Act ( FCRA ) and in light of the recent legal actions taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to properly investigate consumer disputes. 

The CFPB lawsuit alleges that Experian has conducted inadequate investigations of consumer disputes, including accepting faulty responses from furnishers and failing to properly notify consumers regarding the results of these disputes. Furthermore, Experian has been accused of improperly reinserting inaccurate information into consumer reports after disputes were previously resolved. Given these claims and the impact such practices can have on my credit, I am requesting the following : XXXX. Proper Investigation and Review : I request that you conduct a thorough investigation into my dispute in accordance with the FCRA, which mandates that consumer reporting agencies like Experian ensure the accuracy of the information on credit reports and conduct investigations into disputed information. Please ensure that all relevant details and documentation I have submitted are appropriately reviewed. 
XXXX. Notification of Results : As required by law, I expect to receive clear, accurate, and complete information about the results of this investigation, including the specific actions taken to resolve the dispute. Please provide me with a detailed explanation of any findings and a copy of any updated information reflected on my credit report.

3. Prevention of Improper Reinsertions : I request that you confirm that no inaccurate information has been reinstituted on my credit report due to faulty matching procedures or actions taken by other furnishers. If any information has been reinserted incorrectly, I expect immediate removal and an updated report showing this correction. 

The CFPBs allegations and the potential violations of the Consumer Financial Protection Act ( CFPA ) also raise serious concerns regarding your companys handling of consumer disputes. I urge you to follow the law and properly address my concerns by conducting a comprehensive and fair review of my credit file. 

Please provide a written response with the results of your investigation, a corrected credit report, and any applicable documentation within 30 days of this letter, as required by the FCRA. 

Subject : Dispute Regarding Account Access Issues and Suspicion of Unauthorized Activity I am writing to formally dispute the recent difficulty I encountered with accessing my Experian account. Upon attempting to log in, I received a message stating that there was no existing account associated with my personal information. This is highly concerning, as I have previously accessed my Experian account without issue and have maintained it for some time. 

Given the situation, I suspect that unauthorized access to my account may have occurred. It is possible that someone may have gained access to my personal information and is attempting to alter or remove my account details. As a result, I am requesting an immediate investigation into this matter. 

Specifically, I would like you to take the following actions : XXXX. Confirm whether my account is still active and if any recent changes or unauthorized activities have been recorded. 
XXXX. Provide me with the last known details of my account ( such as recent login activity or changes to my account information ). 
XXXX. Assist me in restoring access to my account, should it be deemed necessary. 
XXXX. Advise me on the next steps to secure my account and protect my personal information moving forward. 

Additionally, I request that you send me a confirmation of any actions taken, along with details of your investigation into this matter, as soon as possible. 

Thank you for your prompt attention to this issue. I look forward to your assistance in resolving this matter quickly and ensuring the security of my Experian account. 

Sincerely, 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