Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

Formal Dispute of Inaccurate and Negative Information Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Immediate Deletion Demanded To Whom It May Concern, I am formally disputing the accuracy and validity of several negative entries listed on my Experian credit report. These entries are inaccurate, outdated, or unverifiable, and I demand immediate deletion in accordance with my rights under the # # # Background On XX/XX/XXXX, the ordered Consumer Financial Protection Bureau ( CFPB ) Experian to pay a {$3.00} XXXX fine after it was found that your company misled consumers by marketing credit scores that were not used by lenders, in violation of the CFPBs prohibition against deceptive practices.

( Source : FinTech Futures " CFPB fines Experian $ XXXX for credit score marketing '' ) This enforcement action calls Experians practices and transparency into question, and further validates consumer concerns regarding the integrity of Experians reporting and investigation procedures. 
-- - # # # Disputed Accounts 1. [ XXXXXXXX XXXX  ] - Account Number : XXXX - Issue : - Requested Action : [ e.g., Reported as a charge-off, late payments. ] Permanent deletion due to inaccurate reporting and failure to meet FCRA standards. 
-- - # # # Legal Basis According to conduct a reasonable reinvestigation when a consumer disputes any information on their file. Failure to remove unverifiable, inaccurate, or outdated information is 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must a willful violation of federal law, subject to damages.

must be deleted Additionally, any information that can not be verified within the statutory timeframe from my file. I demand that Experian comply with this ( 30 days ) federal requirement without delay.

-- - # # # CFPB Complaint Filed Due to the severity of this issue and the patterns of misconduct already documented by federal authorities, I have also submitted a formal complaint to the regarding Experians failure to maintain accurate consumer files and its past record of misleading practices.

-- - Consumer Financial Protection Bureau ( CFPB ) # # # Demand for Action 30 days of receipt, or the deleted under FCRA law.

I am demanding the following : 1. Immediate reinvestigation of all disputed entries.

2. Permanent deletion of all unverifiable and inaccurate information.

3. An updated and corrected copy of my credit report.

4. A written statement detailing your findings and actions taken.

You are obligated to complete this investigation within disputed items must be -- - # # # Enclosures - Copy of my drivers license ( for identity verification ) - Recent utility bill or proof of address - Annotated copy of my credit report with disputed items clearly marked - Any supporting documentation ( as applicable

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