Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Information on Credit Report Request for Resolution Dear Experian Disputes Department, I hope this letter finds you well. I am writing to formally dispute inaccurate information that continues to appear on my credit report, despite previous attempts to correct it. This is in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that the information on my credit report is accurate, complete, and up-to-date. 

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for mishandling consumer credit disputes, failing to properly investigate disputed information, and reporting inaccurate data on consumer credit reports. The lawsuit highlights how Experian and other credit reporting agencies have not fulfilled their obligations to consumers under the FCRA. I believe the same issues are occurring in my case, as the inaccurate information I disputed previously remains unresolved and continues to adversely affect my credit. 

Please find the specific details of the dispute as outlined in my previous correspondences, as well as the inaccurate information that I am requesting to be corrected : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I request that you immediately re-investigate the disputed item ( s ) in accordance with the law, including : Verifying the accuracy of the disputed information with the original creditor. 

Correcting any errors or inaccuracies on my credit report. 

Providing me with a copy of the updated credit report after the corrections are made. 

Please confirm in writing that the dispute has been handled, and I would appreciate receiving a copy of the updated credit report once the investigation has been completed. 

If this issue is not resolved within the 30-day investigation period as required by the FCRA, I will have no choice but to escalate my complaint to the CFPB, as they are actively monitoring cases involving credit reporting agencies ' failure to comply with consumer protection laws.

Furthermore, I believe my account was wrongly placed into collections in violation of 15 U.S.C. 1692e ( 2 ) ( A ), which prohibits false or misleading representations regarding the character, amount, or legal status of a debt. If the debt is not legitimately owed, was previously paid, or was erroneously assigned to collections, then this constitutes an unlawful and deceptive collection practice.

If you fail to comply with my dispute and cease communication request, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I will consider pursuing legal action to enforce my rights. 

I expect a written response confirming compliance with this request. Please send all correspondence to my mailing address as listed above. 

I trust you will take immediate action to resolve this matter. Thank you for your attention to this important issue. 

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