Consumer complaint received 2025-01-16 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 formally dispute the results of my recent credit report investigations conducted by Experian. I believe that your investigation into my disputes has not adhered to the legal standards set forth by the Fair Credit Reporting Act ( FCRA ), specifically in relation to sections XXXX and XXXX. As a result, the information on my credit report remains inaccurate or unresolved, which violates my rights under the FCRA.

FCRA Violations : FCRA Section 1681i Duty to Investigate Disputes : Under FCRA Section 1681i, Experian is legally obligated to conduct a reasonable investigation when I dispute information on my credit report. Your investigation process was either insufficient or incomplete, as evidenced by the fact that the disputed items remain unresolved or inaccurately reported. This failure to properly investigate violates my rights under the FCRA. 
FCRA Section 1681i ( a ) ( 1 ) ( A ) Reasonable Procedures : The FCRA mandates that credit reporting agencies like Experian use reasonable procedures to ensure the accuracy and completeness of the information reported. A failure to fully investigate the disputed items demonstrates a lack of reasonable procedures, as required by law.

FCRA Section 1681s-2 ( b ) Duty of Furnishers of Information : According to Section 1681s-2 ( b ), once Experian receives notice of a dispute, the furnisher of the disputed information must investigate and report the findings back to the credit reporting agency. It appears that Experian failed to comply with these regulations, as my dispute remains unresolved. 
Applicable Penalties and Consequences : As you may be aware, the FCRA enforces penalties for failing to comply with the investigation and reporting requirements : FCRA Section 1681n Willful Noncompliance : If a credit reporting agency willfully fails to follow the procedures mandated by the FCRA, they may be subject to statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to actual damages, attorney fees, and punitive damages.

FCRA Section 1681o Negligent Noncompliance : If the noncompliance is found to be negligent, the agency may be liable for actual damages, court costs, and attorney fees, without the possibility of punitive damages.

Due to the failure to conduct a thorough investigation, I am requesting that you immediately take the following actions : Provide documentation showing that the investigation was properly carried out, including any supporting evidence or records that were used to resolve the dispute. 
Correct any inaccuracies on my credit report resulting from the improper investigation. 
Please be advised that I expect a response within the XXXX statutory period, as required by law. If this matter is not resolved within that timeframe, I will be forced to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing legal remedies, including possible civil action for damages under the FCRA. 
Thank you for your prompt attention to this matter. I trust that you will address this dispute in full compliance with the FCRA and ensure my credit report accurately reflects all relevant information.

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