Consumer complaint received 2024-09-15 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: FL

Complaint narrative:
In a recent attempt by me to attain resolution for an issue that has been ongoing regarding my credit report, I had utilized the Consumer Financial Protection Bureau ( CFPB ) online platform to finally gain resolution after months of battle between Experian and myself. This attempt was made on XX/XX/24 in which I submitted my past work/efforts attachments along with the complaint I had submitted on that particular day. Experian, in response to my complaint, went about making some investigations and thus produced some results of resolution and informed me that the dispute had been completed. HOWEVER, instead of doing a full execution of govern duty, this bureau only partially yielded results which does not give a pass as a consumer reporting agency that is regulated by Congress and the Fair Credit Reporting Act ( FCRA ). The complaint mentioned in this follow-up is subsequent to Experians failure to fully carry-out the 1st complaint that was forwarded to them by the CFPB regarding unauthorized inquiries on my credit report that was not given permissible permission by me ( the consumer ) in which were a violation of 15 U.S.C 1681 ( b ) ( a ) which states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Subsequent to this rule in 15 U.S.C 1681 ( b ) ( a ) ( 2 ) which states : In accordance with the written instructions of the consumer to whom it relates. 
In furtherance of this, by committing such failure as a consumer reporting agency, Experian also violated its one of many obligations in which in 15 U.S.C. 1681 ( a ) ( 3 ) which states : Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers Subsequent to this rule in 15 U.S.C. 1681b which states : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Conclusively, once Experian informed me that the dispute had been completed in which the results from I was given a report card of their performance without production of detail in lieu of their process and system of addressing my dispute, another violation of my consumer rights was made where in 15 U.S.C 1681i ( a ) ( 1 ) ( a ) it states : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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