Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Complaint Regarding Inaccurate Information on My Credit Report and Failure to Properly Investigate Disputes Dear Experian, I am filing this complaint because Experian has failed to properly investigate and verify accounts that I have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Experian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : Experian has failed to notify me of the methods used to verify the disputed accounts. 
Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy. 
My disputes have been dismissed without proper reinvestigation, as required by law. 
In light of these ongoing issues, I would also like to refer to the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The lawsuit highlights Experians failure to comply with the FCRA by neglecting to properly investigate disputes and by reporting inaccurate information without sufficient verification. This lawsuit is an important reminder that Experian is under scrutiny for these very same issues, and it is imperative that my case be treated with the same urgency and compliance. 

As stipulated under 15 U.S. Code 1681i, consumer reporting agencies must conduct a reasonable reinvestigation of disputed information and notify the consumer of the methods used to verify its accuracy. The failure to do so in my case is a direct violation of my rights under the FCRA. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that Experian adheres to its legal obligations under the FCRA. I demand the following actions : A proper investigation of all disputed accounts, with a reasonable effort to verify their accuracy. 
Written documentation of the verification methods used to confirm the disputed information. 
Immediate correction or deletion of any unverifiable or inaccurate information. 
Experians neglect of its investigative duties is unacceptable and has caused me unnecessary financial and emotional distress. I expect prompt action to correct these ongoing issues. If this matter is not resolved in a timely manner, I will be forced to take further action, including pursuing my legal rights under the FCRA, filing additional complaints with the CFPB, and seeking legal recourse for the harm caused. 

Thank you for your prompt attention to this matter. I look forward to a swift and thorough resolution.

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