Consumer complaint received 2025-01-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that remains on my credit report despite previous dispute submissions. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian ( Case Number : XXXX ) for failing to conduct reasonable reinvestigations of consumer disputes and not ensuring the accuracy of credit report information. The violations outlined in the lawsuit mirror my own experience with Experian 's dispute resolution process. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., mandates that Experian conduct a reasonable reinvestigation of disputed information and ensure maximum possible accuracy in consumer reports. However, Experian has failed to comply with these legal obligations in my case. Specifically, I have encountered the following issues : 1. **Failure to Correct Inaccurate Information** : Despite providing clear evidence that the disputed items are inaccurate, Experian continues to report erroneous information on my credit report.

2. **Failure to Conduct a Reasonable Reinvestigation** : Experian has uncritically accepted responses from furnishers without properly verifying the accuracy of the disputed accounts.

3. **Failure to Provide Adequate Notice of Dispute Results** : The responses I have received from Experian have been vague, contradictory, and have not clearly outlined the outcome of my disputes or what, if anything, has changed on my report.

4. **Failure to Prevent Reinsertion of Previously Deleted Information** : Some items that were previously removed following a dispute have been reinserted without notification or proper verification.

5. **Failure to Investigate Hard Inquiry Disputes** : My disputes regarding unauthorized hard inquiries have been ignored without a proper investigation or resolution.

The CFPBs lawsuit demonstrates that Experian has engaged in unfair and deceptive practices that have caused significant harm to consumers. As a victim of these same violations, I am demanding that Experian comply with its legal obligations by : 1. Conducting a **reasonable reinvestigation** of the disputed accounts listed below and removing any inaccurate or unverifiable information.

2. Providing a **detailed response** that explicitly states what changes have been made to my credit report as a result of the reinvestigation.

3. Ensuring that any **deleted information is not improperly reinserted** into my credit file without proper certification and consumer notification.

4. Investigating and removing **unauthorized hard inquiries** from my credit report. 

The following items are inaccurately reported on my credit file : - XXXX XXXX XXXX This is a fraudulent account due to identity theft - XXXX XXXX XXXX This is a fraudulent account due to identity theft I have attached supporting documentation, including copies of my previous dispute letters, credit reports highlighting the inaccuracies, and any relevant evidence that verifies my claims. 

Under the FCRA, you are required to complete the reinvestigation within 30 days and provide me with written confirmation of the outcome. Failure to comply with the FCRA may result in further legal action, including a formal complaint with the CFPB and potential civil litigation.

Please respond to this dispute in writing and send a revised copy of my credit report reflecting the corrected information. You may send your response to my address listed above. 

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