Consumer complaint received 2025-01-26 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: NY

Complaint narrative:
I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 
I previously disputed the following information on my Experian credit report : Account Name : XXXX  Number : XXXX issue : is reported in deficiency of reported mandates and protocols.Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : Account Name : XXXX  XXXX Number : XXXX issue : is reported in deficiency of reporting mandates and or standards must be eradicated as is my in a manner acceptable requested resolution, therefore the obfuscation please do so HERE AND NOW! This claim has acclaimed ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : evidence to support my dispute, Experian failed to conduct a proper investigation. 
Account Name : XXXX XXXX XXXX Number : XXXX issue : XXXX XXXX reported in deficiency of reporting mandates and or standards must be eradicated as is my in a manner acceptable Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
Account Name : XXXX XXXX XXXX  XXXX : Is reported in deficiency of reporting mandates and or principles Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Account Name : XXXX XXXX XXXX XXXX XXXX issue ssue : Is reported in deficiency of reporting mandates and or principles Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their I disputed these un resolved errors with Experian every month from XXXX XXXX XXXX  with no accurate results Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected.

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