Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Credit Dispute Regarding Improper Investigation and Request for Removal of Inaccurate Derogatory Trade Lines Dear Experian Dispute Team, I am writing to formally dispute multiple inaccuracies on my credit report and to express serious concerns regarding Experian 's failure to conduct proper investigations of my past disputes. I am aware of the recent CFPB complaint against Experian ( filed in XX/XX/year> ), which highlights systemic deficiencies in the handling of consumer credit disputes, including : Failure to conduct adequate investigations when consumers report inaccuracies. 
Re-insertion of previously removed inaccurate information without providing proper notifications. 
Automated processes that result in cursory reviews rather than thorough investigations of dispute claims. 
Based on these allegations and my personal experience, I am requesting immediate corrective action for the following : Inadequate Dispute Investigations : Despite previous dispute submissions, Experian has failed to properly investigate or provide clear resolutions regarding inaccurate information on my credit report. This has significantly affected my financial standing and access to credit. 

Derogatory XXXX XXXX  : I am not a primary account holder on certain derogatory trade lines, and they should therefore be removed from my credit report immediately. These include : XXXX XXXX  XXXX XXXX XXXX XXXX with FCRA Requirements : Pursuant to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct thorough investigations and ensure accurate credit reporting. I expect a comprehensive review and removal of any inaccurate or unverifiable information on my report. 

Notification of Re-Insertions : If any previously removed derogatory information has been re-inserted, I demand immediate notification as required under the FCRA, along with documentation supporting its accuracy. 

Given the CFPB 's findings and my ongoing concerns, I am requesting that Experian : Remove all inaccurate derogatory trade lines where I am not the primary account holder. 
Provide a full and documented review of previous disputes, along with outcomes and supporting evidence. 
Ensure compliance with proper investigative procedures as outlined by federal regulations. 
Please respond to this dispute within the legally required timeframe and provide confirmation once the corrections have been made. Failure to properly address this matter will leave me with no option but to escalate the issue further. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX 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