Consumer complaint received 2025-01-22 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: MA

Complaint narrative:
I am writing to formally address ongoing inaccuracies on my credit report and to bring attention to the ongoing issues Ive encountered while disputing these errors with your credit reporting agency. Despite multiple attempts to resolve these discrepancies, the same issues persist, and I have yet to see any meaningful corrections to my credit file. Verified and updated with no proof from furnishers, I request my written signature and 1099c and never received any. Accounts without proper investigations prompt deletion per FCRA. 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against both Experian and XXXX due to systemic issues with how credit reporting agencies handle consumer disputes. As outlined in the CFPBs lawsuit, both Experian and XXXX have been found to fail to adequately investigate and correct inaccurate information on consumers credit reports, which aligns with the issues I have faced in my own dispute experience. Specifically, I have repeatedly submitted disputes regarding inaccurate data on my credit report, only to receive responses indicating that the information is verified or correct, despite clear evidence to the contrary. I have never signed any agreement with these creditors! These items having already been investigated and updated should be immediately DELETED PER FCRA! Inaccuracies not corrected the first investigation require deletion upon reinvestigation! 

In my case, the following items remain inaccurately reported : XXXX XXXX XXXX  : {$220.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : {$720.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have provided all necessary documentation to support my claims, including account statements, payment confirmations, and any other relevant materials, yet my reports remain incorrect. I request that you immediately conduct a thorough reinvestigation of the disputed information in accordance with the Fair Credit Reporting Act ( FCRA ) and ensure that these inaccuracies are deleted due to the creditors prior investigations. It states any error not corrected shall be deleted upon second investigation! 

Furthermore, I request a detailed explanation of the actions taken during your investigation process and a clear outline of the steps you are taking to ensure that my credit report reflects accurate and up-to-date information and both accounts deleted. I request my written signature on agreement with both creditors XXXX XXXX XXXX and XXXX XXXX XXXX and seeing that they dont have it, I demand both accounts deleted! 

Please be advised that if these issues are not resolved promptly and satisfactorily, I will be compelled to seek further action, including filing a formal complaint with the CFPB and considering other legal remedies available under the law. 

Thank you for your immediate attention to this matter. I look forward to your timely response and resolution of these ongoing inaccuracies. 

Sincerely, XXXX XXXX XX/XX/year> 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