Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally address serious inaccuracies on my credit report that I have disputed multiple times. Despite sending three dispute letters with sufficient evidence, your agency has failed to correct the inaccuracies. Furthermore, I recently received a letter stating that you refuse to conduct further investigations. This response violates my rights under federal laws governing consumer credit reporting.

Violations of Federal Laws Your refusal to address and correct these inaccuracies violates the following : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

o Under 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed items. Failing to address my disputes adequately, as well as refusing further investigation, is a direct breach of this obligation.

o 1681e ( b ) requires consumer reporting agencies to ensure maximum possible accuracy of the information reported. The persistence of inaccurate information on my credit file indicates noncompliance.

2. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) : o By refusing to investigate and address valid disputes, you are engaging in unfair practices that cause significant harm to me as a consumer.

My Demands 1. Immediate Correction : o Investigate and remove all inaccurate and incomplete information from my credit report within 30 days, as mandated by 1681i ( a ) ( 1 ).

2. Written Confirmation : o Provide me with written confirmation of the corrections made or evidence supporting the continued inclusion of the disputed information, if applicable, within the legally mandated timeline.

3. Transparency and Accountability : o Inform me of the steps you have taken to address my disputes, including a copy of all correspondence sent to data furnishers and the outcome of their responses.

Relevant Violations From the CFPB Complaint 1. Failure to Conduct Reasonable Reinvestigations ( 15 U.S.C. 1681i ( a ) ) : Experian is required to conduct a thorough and reasonable reinvestigation when disputes are filed. The CFPB complaint demonstrates that Experian often : o Mischaracterizes disputes by applying incorrect dispute codes. 
o Fails to consider consumer-provided documentation. 
o Relies unreasonably on furnishers ' responses, even when they are illogical or inconsistent. 

In My Case : My documentation and disputes have not been properly investigated, violating this provision.

2. Failure to Forward Relevant Information to Furnishers ( 1681i ( a ) ( 2 ) ) : Experian often fails to forward all relevant consumer-provided information to furnishers, which prevents accurate resolution of disputes.

In My Case : This could explain why your disputes have not been resolved despite submitting evidence.

3. Failure to Provide Adequate Results of Reinvestigations ( 1681i ( a ) ( 6 ) ) : The complaint highlights that Experian sends vague, contradictory, or incomplete results to consumers after disputes.

In Your Case : If Experian has provided unclear results or refused further investigation, this directly violates the law.

4. Failure to Assure Maximum Possible Accuracy ( 1681e ( b ) ) : Experian has a legal obligation to ensure the accuracy of the information on your credit report.

In My Case : The persistence of inaccuracies shows noncompliance with this requirement.

Points to Add : 1. Systemic Failures Highlighted by CFPB Lawsuit : Reference the CFPB lawsuit to underscore that your experience reflects broader systemic issues. For example : " The issues I am experiencing mirror systemic problems identified in the CFPBs recent complaint against Experian ( Case No. 8:25-cv-24 ), including failures to conduct reasonable reinvestigations, mischaracterization o
f disputes, and the lack of clear and accurate resolution notices. These systemic issues further substantiate my concerns. '' 2. Demand for Specific Actions :

Emphasize the exact steps you require Experian to take, such as : o Provide all communications between Experian and the furnishers regarding your disputes. o Investigate any furnishers who have provided unreliable responses. o Explain why Experian refused further investigation despite clear inaccuracies. 3. Call for Accountability : Hold Experian accountable for failing to meet its obligations : o Request that Experian certify in writing that all disputed inaccuracies have been corrected or removed.

o Demand a review of their internal processes to prevent further mishandling of disputes.

4. Explicit Notification of Escalation : State that you will escalate the matter to the CFPB, FTC, and your state Attorney General if your concerns are not addressed.

5. Emotional and Financial Impact : Add a personal note about how these inaccuracies have affected you, such as denied credit opportunities, financial harm, or emotional distress.

Additional Information The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against your agency for similar issues, as outlined in case number 8:25-cv-24. The CFPBs findings highlight systemic failures to conduct reasonable reinvestigations, provide adequate notices, and maintain accuracy in consumer credit reporting. Your failure to address my disputes aligns with the patterns of noncompliance detailed in this case.

Legal Action If you fail to comply with this request within 30 days, I will escalate the matter by filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I reserve the right to pursue legal remedies, including compensation for damages caused by your noncompliance. 

This letter serves as formal documentation of my dispute and intent to seek corrective action. Please confirm receipt of this letter and provide a response to the address or email listed below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Let me know if youd like to include additional details or specific examples from my credit report. I have included details that have yet to be addressed along with Experians response. 



Items from my Credit report that needs Addressed and Removed : Disputed Inaccuracies on Credit Report Below are the specific inaccuracies on my credit report that must be corrected or removed immediately. I have provided detailed explanations and references to applicable laws to ensure clarity in addressing these disputes. 

XXXX XXXX XXXX XXXX ( {$580.00} ) : I do not recognize this account. 
I requested validation of the original debt, including the contract and all supporting documentation. No validation or investigation was conducted. 
The original creditor information was not provided, nor was the required 1099-C tax form for the charge-off.

As this account has not been validated as required under the Fair Credit Reporting Act ( FCRA ), 1681i, I demand its immediate removal from my credit report. 

Hard Inquiry XXXX XXXX XXXX  XXXX ( Duplicate Inquiry ) : This inquiry was pulled twice on the same day without my authorization. 
I did not provide written consent or a signed contract permitting this inquiry, as required under FCRA 1681b.

I request the removal of both inquiries immediately. 

Hard Inquiry XXXX XXXX : This inquiry was conducted without my authorization or consent. 
No original contract with my written signature has been provided despite multiple disputes. 
As no investigation or results have been provided, I demand the immediate removal of this inquiry. 

Hard Inquiry XXXX XXXX XXXX : This inquiry was conducted without my authorization or consent. 
No signed contract or permissible purpose for this inquiry has been provided. 
Despite multiple disputes, no investigation has been conducted. I demand its immediate removal. 

Hard Inquiry XXXX XXXX XXXX  XXXX : This inquiry was conducted without my authorization or consent. 
No signed contract has been provided to validate this inquiry, despite repeated disputes. 
I demand the immediate removal of this inquiry from my credit report. 

Hard Inquiry XXXX XXXX XXXX XXXX XXXX : This inquiry was conducted without my authorization or consent. 
No contract or proof of permissible purpose has been provided despite repeated disputes. 
I demand the immediate removal of this inquiry from my credit report. 

Late Payment XXXX : This late payment was disputed, but Experian failed to investigate or provide results. 
I demand the permanent removal of this late payment from my credit report as per FCRA 1681i ( a ). 

Late Payment XXXX XXXX This late payment was disputed, but Experian failed XXXX investigate or provide results. 
I demand the permanent removal of this late payment from my credit report. 

XXXX Unrecognized Account : I do not recognize this account, and it is not mine. 
I requested its removal and investigation, but no action has been taken.

I have attached a letter from Experian stating their refusal to investigate this dispute. As this violates FCRA 1681i ( a ), I demand its immediate removal.

Supporting Documentation I have attached all relevant documentation, including previous dispute letters, correspondence from Experian, and evidence supporting my claims. 

Please ensure these inaccuracies are corrected and provide written confirmation of the changes, including an updated credit report, within 30 days as required by law.

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