Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
Subject : Formal Dispute of Credit Report Information Improper Investigation and Failure to Correct Errors Dear Equifax, I am writing to formally dispute inaccuracies on my credit report and to express my concerns regarding Equifaxs failure to properly investigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). This letter serves as a formal complaint against the improper handling of my dispute and the continued presence of incorrect information on my credit report.

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) has taken action against Equifax for repeatedly failing to conduct proper investigations of disputes. The CFPBs findings highlighted that Equifax ignored consumer-provided documentation and evidence, allowed previously deleted inaccuracies to be reinserted into credit reports, provided conflicting and confusing responses to consumers, and used flawed software that resulted in inaccurate credit scores. These findings have raised significant concerns about the accuracy and integrity of the information reported on my credit file. 

The specific inaccuracies on my credit report that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX I previously disputed this account stating : " I previously disputed this account stating, I don't agree with the results of your investigation. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX previously disputed this account stating : " I previously disputed this account stating, I don't agree with the results of your investigation. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX previously disputed this account stating : " I previously disputed this account stating, I don't agree with the results of your investigation. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX XXXX previously disputed this account stating : " I previously disputed this account stating, I don't agree with the results of your investigation. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XX/XX/XXXXXXXX XXXX I previously disputed this account stating : " I previously disputed this account stating, I don't agree with the results of your investigation. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
As a result, I request the immediate removal of any erroneous or outdated information that has been reinserted into my credit report. 

A clear, comprehensive response that accurately reflects the results of the reinvestigation and complies with the FCRAs requirements for notifying consumers. A correction of any errors in the software used to process my dispute, ensuring that my credit report is accurately reflected moving forward. 

Please provide a written response to this dispute within 30 days, as required by law, and ensure that the corrected information is promptly reflected in my credit file. 

Thank you for your attention to this matter. Should you require any further information or documentation, I am happy to provide it. I expect a timely resolution to this issue and will take further action, including filing complaints with the CFPB and other relevant agencies, if my dispute is not properly handled.

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