Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XX/XX/year> Experian Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding False Investigations and Verification of Disputed Accounts To Whom It May Concern : I am writing to express my serious concerns regarding Experian 's handling of disputes I have submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Your companys actionsor lack thereofraise significant questions about your compliance with the law and the accuracy of the information you report. 

Specifically : False Investigations : Despite submitting multiple disputes with supporting documentation, your investigation process appears to be cursory, superficial, or entirely non-existent. In several instances, I have received responses claiming the disputed information was verified as accurate, yet no meaningful investigation into the validity of my claims was conducted. 

False Verifications : I have reason to believe that Experian has failed to conduct a proper reinvestigation as required under 611 of the FCRA. Instead, you have falsely verified information provided by data furnishers without independent verification or a genuine examination of the documentation I submitted. 

Failure to Provide Substantiation : In response to my disputes, I requested documentation from the furnishers that substantiates the accuracy of the reported information. To date, I have not received this documentation. This failure to provide supporting evidence of verification is a clear violation of FCRA requirements. 

Failure to Address Errors : Despite providing clear evidence that specific items on my credit report are inaccurate, your company has refused to remove or correct these inaccuracies. This has caused significant harm to my credit profile and financial well-being. 

Your failure to conduct proper investigations and your reliance on automated processes or rubber-stamped responses constitute not only a violation of your obligations under the FCRA but also a breach of trust in your role as a credit reporting agency. These actionsor inactionsare unacceptable and must be rectified immediately. 

As a consumer, I have the right to accurate reporting and a meaningful dispute process. I demand the following : That Experian conducts a thorough, independent reinvestigation of the disputed items. 
That Experian provides clear and documented evidence to substantiate any claim that disputed items are accurate. 
That Experian immediately removes any information that can not be verified or substantiated. 
That Experian provides a written explanation of the steps taken to comply with my request, as well as any actions taken to resolve these errors. 
Failure to address this matter promptly and adequately will result in my pursuing further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I reserve the right to seek legal remedies for damages caused by your failure to comply with federal laws. 

I expect a written response to this complaint within 15 days, as mandated by federal law. Your failure to act responsibly in this matter will only further demonstrate your disregard for consumer rights and legal obligations. 

Sincerely, XXXX 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