Consumer complaint received 2025-03-28 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: GA

Complaint narrative:
Subject : Final Notice Failure to Conduct a Proper Investigation & Violation of FCRA To Whom It May Concern, I am writing to formally demand that you immediately remove inaccurate and unverifiable information from my consumer report pursuant to the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, you have failed to conduct a proper investigation into the inaccuracies, and as a result, you are in direct violation of multiple provisions under the FCRA, including but not limited to : I. WILLFUL NONCOMPLIANCE VIOLATION OF 15 U.S.C. 1681n Under 15 U.S.C. 1681n, a credit reporting agency is liable for willful noncompliance with the FCRA. Your agency has willfully continued to report inaccurate information after I have disputed it multiple times. You are required to ensure that all consumer reports are fair, accurate, and reflect the true financial standing of the consumer. Your failure to do so has caused me harm, including financial and reputational damage. 
II. NEGLIGENCE IN REPORTING VIOLATION OF 15 U.S.C. 1681o Under 15 U.S.C. 1681o, you are also liable for negligence in failing to conduct a reasonable investigation. The burden is on you, as a credit reporting agency, to ensure that my consumer report is free from errors. Your careless handling of my dispute and refusal to remove inaccurate data constitute a clear violation of the FCRA. 
III. FAILURE TO ENSURE MAXIMUM POSSIBLE ACCURACY VIOLATION OF 15 U.S.C. 1681e ( b ) Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy in consumer reports. Since the disputed information remains on my file despite my challenges and supporting evidence, you are in violation of this provision. 
IV. FAILURE TO REVIEW ALL DISPUTE INFORMATION VIOLATION OF 15 U.S.C. 1681i ( a ) ( 4 ) Under 15 U.S.C. 1681i ( a ) ( 4 ), credit reporting agencies must consider all relevant information related to a consumers dispute. Your failure to properly investigate and verify the disputed accounts and their accuracy violates this law. 
V. FAILURE TO NOTATE DISPUTED ACCOUNTS VIOLATION OF 15 U.S.C. 1681c ( f ) & 1681i ( c ) If an account has been disputed, it must be notated in my consumer report under 15 U.S.C. 1681c ( f ) and 1681i ( c ). Since my dispute remains unresolved and the information has not been properly updated to reflect my challenge, your agency is in direct violation of these statutes. 
VI. DEMAND FOR IMMEDIATE ACTION Given the violations outlined above, I demand the immediate deletion of the following inaccurate and unverifiable information from my credit report : XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXX XXXX. Bank XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX o Account Numbers : XXXX and XXXX XXXX. XXXX XXXX XXXX  o Account Number : XXXX XXXX. Chapter XXXX Bankruptcy Dismissed o Reference Number : 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