Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As of today, the credit bureaus have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. I want the below negative accounts deleted from my credit report. 

XXXX ) XXXX XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX XXXXXXXX XXXX XXXXXXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX  ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX XXXX XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX XXXX XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

XXXX ) XXXX  XXXXYour lack of proper investigation and continued inaction is also a violation of this provision. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. 

Your attention to this matter is greatly appreciated. 

Thank You,

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