Consumer complaint received 2025-02-10 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Subject : Dispute of Inaccurate Information & Noncompliance Civil Liability Under 15 U.S. Code 1681o Dear cfpd, I am writing to formally dispute inaccurate information on my credit report and to bring to your attention your failure to comply with the requirements of the **Fair Credit Reporting Act ( FCRA ) **, specifically Section **1681o**, which holds credit reporting agencies accountable for negligent noncompliance. 

On XX/XX/XXXX, I submitted a dispute regarding the following inaccurate entry on my credit report : XXXX - account number # XXXX - reporting errors late payment, incorrect balance, or status Despite my dispute and the clear evidence I provided to demonstrate that the information is inaccurate, it appears that the credit report has not been updated accordingly. Additionally, I have not received any communication regarding the status or outcome of your investigation within the required time frame outlined under the FCRA. 

Failure to comply with the XXXX your failure to investigate the dispute in a timely manner, or provide me with a written responseconstitutes **negligent noncompliance** under **15 U.S. Code 1681o**. This section specifically provides that a consumer may pursue civil remedies when a credit reporting agency fails to properly investigate and correct inaccuracies in the consumer 's report.

To summarize, my complaint is as follows : 1. Noncompliance with the FCRA** : The failure to investigate my dispute within the XXXX period ( as mandated by the FCRA ). 
XXXX. Failure to Correct Inaccurate Information** : Despite providing supporting documentation, the inaccurate entry has not been rectified. 
XXXX. **Failure to Communicate** : I have not been provided with any timely updates or the results of your investigation into my dispute. 

I request that you immediately : XXXX. Investigate and correct the inaccurate information on my credit report. 
2. Provide a response** regarding the status of your investigation, including the results and any actions taken.

3. Compensate** for any damages or inconvenience resulting from your negligence, in accordance with the provisions of the FCRA .

Please find enclosed the supporting documentation I have submitted previously and again for your reference. I expect this matter to be resolved promptly, as per the FCRA requirements, and I request that you respond to this letter no later than XXXX business days from receipt. 

Should you fail to comply with the FCRAs provisions, I will not hesitate to seek further legal remedies available under 15 U.S. Code 1681o, which may include pursuing damages for negligent noncompliance.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX [ Your Social Security Number or Last XXXX Digits ] ( if required

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