Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX Re : Cease and Desist Failure to Properly Investigate Inaccurate Accounts Dear Experian, I am writing to formally demand that Experian cease and desist from continuing to report inaccurate information on my credit report regarding the following accounts : Despite my previous attempts to dispute these inaccurate entries, Experian has failed to properly investigate the disputed accounts as required by law. I believe this failure constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ).

1. Failure to Investigate FCRA Violations Under the FCRA, specifically 15 U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information. When a consumer submits a dispute, the agency must investigate the issue and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. 

Experian has failed to properly reinvestigate these accounts, leaving inaccurate information on my credit report. As per the FCRA, you are required to " reinvestigate free of charge '' and " delete the item or record the current status '' if the information can not be verified. Your failure to comply with these provisions is a violation of my rights under the law.

2. Unfair or Deceptive Practices CFPA Violations Under the CFPA, specifically 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), consumer reporting agencies are prohibited from engaging in unfair or deceptive practices. Failing to properly investigate and resolve consumer disputes is an unfair and deceptive practice that harms consumers by improperly impacting their creditworthiness and financial opportunities. 

It is clear that Experian 's lack of adequate investigation into these inaccuracies is a violation of my rights under the CFPA.

Demand for Immediate Action In light of the above, I demand that Experian : Cease and desist from reporting the inaccurate accounts that have not been properly verified or investigated. 
Immediately reinvestigate the disputed accounts and take corrective action, including the removal of any unverifiable or inaccurate information from my credit file. 
Provide written confirmation of the outcome of your investigation and any corrective action taken. 
Please be advised that if this issue is not resolved within 30 days from the date of this letter, I will take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any relevant state authorities. Additionally, I will consider pursuing legal action if necessary. 

I expect to receive a response from you promptly confirming the steps you will take to resolve this matter. Failure to address this issue within the legal time frame will result in me taking further legal and administrative actions to protect my rights.

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