Consumer complaint received 2025-01-19 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, RE : Request for Compliance- FCRA 15 U.S.C. 1681i Inaccurate information on Credit Report Dear Experian, I am writing to express my concern regarding my recent credit report, and to request your prompt attention to some issues related to a depute I filed with your agency. Upon reviewing my credit report, I have found that certain items have not been properly handles in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, and I believe these matters require immediate attention. 

As a consumer reporting agency, Experian is required under the FCRA to conduct a reasonable reinvestigation of disputed information and to provide a written notice of the results of the reinvestigation within five business days after completing the investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ). Unfortunately, it appears that this process was not fully followed in my case. 

Additionally, I believe the following legal obligations have been violated : Failure to forward disputes to furnishers in a timely manner ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ) Failure to conduct a reasonable reinvestigation and provide all relevant information to furnishers ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to implement reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) As a result, I respectfully request that you review the following items and, if applicable, remove them from my credit report, as they do not meet the requirements for accuracy and completeness under FCRA : XXXX XXXX XXXX XXXX XXXX This Account was paid in Full XXXX XXXX XXXXXXXX This Account does not belong to me XXXX. XXXX, XXXX This Account does not belong to me XXXX XXXX This Account does not belong to me XXXX XXXX XXXX This Account does not belong to me XXXX XXXX XXXX This Account does not belong to me XXXX XXXX XXXX XXXX This Account was paid in Full XXXX XXXX XXXX XXXX This Account was paid in Full XXXX XXXX  XXXX This Account was paid in Full XXXX  XXXX XXXX This Account was paid in Full XXXX  XXXX  XXXX This Account was paid in Full Please be aware that, as outlined by the FCRA, if you don not resolve these disputes within the required timeframe, I am entitled to request the deletion of these items from my credit report. I kindly ask for your immediate attention to this matter and that you take the necessary action to resolve these issues in accordance with the law. 

If this matter is not resolved in a timely manner, I may have to consider filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX, and the Federal Trade Commission ( FTC ). 

Thank you for your attention to this matter. I look forward to your prompt resolution of these issues. 


Sincerely, XXXX 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