Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Date : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Formal Dispute of Credit Report Entries and Request for Investigation Dear Sir/Madam, I am writing to formally dispute inaccurate and negative information on my credit report, as provided by Experian, related to multiple accounts that I believe were improperly reported and not properly investigated as required by federal law. I am requesting immediate correction and deletion of these accounts due to the failure to properly investigate my claims as outlined under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The accounts in question are listed below, and I assert that they do not belong on my credit report based on the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Issue : I previously filed a dispute with Experian regarding the above-mentioned accounts. However, despite the requirements under the Fair Credit Reporting Act ( FCRA ), my dispute was not handled appropriately. According to the FCRA, specifically 15 U.S.C. 1681i, the credit reporting agency is required to conduct a reasonable investigation into any disputed information on my credit report. In this instance, I believe Experian failed to perform a thorough or proper investigation, and this has led to the continuation of inaccurate entries. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must ensure they are reporting accurate and verifiable information. I believe these collections accounts have been reported in violation of this requirement, and it is my right to have them removed from my credit report. 

# # # Experian Lawsuit : Further, I am aware of a recent legal action against Experian for not fulfilling its obligations under the FCRA. This lawsuit highlights the company 's failure to investigate and correct errors in consumer reports. As a result, I am requesting that these accounts be removed from my report immediately, as they are inaccurate, unverifiable, and have not been substantiated by proper investigation as required by the law. 

# # # Request for Removal : Due to the failure of Experian, Transunion, and Equifax to properly investigate the disputed entries and the negative impact these accounts have had on my credit, I request that you delete the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also requesting that any negative information related to these accounts be corrected or removed from all credit reporting agencies to reflect the true status of my credit history. 

# # # Legal Basis for Removal : Under 15 U.S.C. 1681i ( a ), if a dispute is found to be inaccurate, the credit reporting agency must remove or correct the information within a reasonable time frame. Furthermore, the FDCPA ( 15 U.S.C. 1692e ) prohibits debt collectors from reporting inaccurate information. The continued reporting of these accounts after my dispute is a violation of these consumer protection laws. 

# # # Conclusion : I request that you initiate an investigation into the improper reporting of these accounts and ensure compliance with the applicable consumer protection laws. Failure to do so will leave me no choice but to take further action to protect my rights, including escalating this dispute to the appropriate regulatory authorities. 

Please confirm receipt of this letter and provide me with a written response indicating the actions you plan to take in addressing this issue. 

Thank you for your immediate attention to this matter. 

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