Consumer complaint received 2025-01-14 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: LA

Complaint narrative:
I am writing to express my extreme frustration and dissatisfaction with Experians repeated failure to conduct a proper reinvestigation of these disputed accounts on my credit report. Despite my numerous requests for proper reinvestigation under my rights provided by the Fair Credit Reporting Act ( FCRA ), these accounts continue to be verified without any documentation provided to substantiate the method of verification of these inaccurate accounts. This persistent failure to comply with federal law is unacceptable. 

Your failure to complete a lawful and thorough investigation violates the FCRA. You are required to conduct a proper reinvestigation when disputes are submitted and to provide clear documentation of how the information was verified. Instead, you have ignored these obligations, which is unacceptable and demonstrates blatant disregard for federal consumer protection laws. 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has filed legal actions against Experian for similar failures to adhere to proper investigatory standards. This reinforces my position that Experians handling of consumer disputes is not only inadequate but also unlawful.

I demand the following : 1. Conduct a proper reinvestigation of the disputed accounts in accordance with the requirements of the FCRA. FCRA 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), Experian is required to send me documentation of the procedure used within 15 business days of the completed investigation for determining the accuracy and completeness.

2. Provide the requested method of verification for each account, including the name and contact information of the person that verified the accuracy of the information. What date and time did this conversation take place? How did you come to this determination that these accounts were " verified as accurate ''? 
3. If verification can not be properly provided with concrete documentation, immediately delete these disputed accounts from my credit report.

Failure to comply with these demands will leave me no choice but to escalate this matter further. I will not hesitate to file complaints with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney General, as well as pursue legal action to ensure my rights as a consumer are upheld. 

Account Name : XXXX, XXXX | Account Number : XXXX Account Name : XXXX XXXX Bank XXXX XXXX Account Number : XXXX Name : XXXX XXXX Bank XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX XXXX Account Number : XXXX This is your final opportunity to resolve this matter amicably and in full compliance with federal consumer protection laws. Please provide a response within the legally mandated timeframe. 

Sincerely, XXXX 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