Consumer complaint received 2025-01-13 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: MA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian for Failure to Properly Investigate Credit Report Dispute Dear Sir/Madam , I am writing to file a formal complaint against Experian for failing to properly investigate a dispute regarding inaccurate information on my credit report. Despite my clear communication of the dispute and the supporting documentation I provided, Experian has failed to meet the legal requirements set forth by the Fair Credit Reporting Act ( FCRA ) in conducting a reasonable investigation. 

On [ insert date of dispute ], I disputed an item on my Experian credit report that I believe to be inaccurate. The disputed item is as follows : [ Describe the disputed item, such as : " An account listed under XXXX XXXX XXXX with a balance of {$500.00}, which is inaccurate or outdated. '' ] Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Experian is legally required to conduct a reasonable investigation upon receiving a dispute, to review all relevant evidence, and to correct or remove any inaccuracies on my credit report. However, despite submitting the necessary supporting documents ( e.g., payment records, correspondence with the creditor ), Experian failed to : Provide me with a proper response explaining the results of the investigation. 
Correct or update the inaccurate information on my report, even though it was substantiated with evidence. 
Respond to my dispute within the required time frame. 
This failure violates my rights under the FCRA. Specifically, the law requires credit reporting agencies to ensure that disputed information is investigated thoroughly and corrected if it can not be verified as accurate. The case law in XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  makes clear that credit reporting agencies are obligated to take appropriate measures to correct information that is inaccurate or unverifiable. Similarly, in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court held that the failure to conduct a proper investigation and communicate results violates consumer protection laws. 

Due to Experian 's noncompliance with the FCRA, I am requesting the CFPB 's assistance in : Ensuring that Experian promptly re-investigates the disputed item ( XXXX ). 
Correcting any inaccuracies found in the report. 
Holding Experian accountable for its failure to meet legal obligations. 
I have attached copies of the relevant documentation, including my original dispute correspondence, proof of the inaccurate information, and my credit report showing the disputed entry. 

I appreciate your prompt attention to this matter and request that the CFPB take all necessary steps to ensure Experian complies with the law.

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