Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
Experians continued failure to properly investigate and remove inaccurate credit reporting information. I have been severely impacted by Experians noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), which has resulted in Experians improper reinsertion of disputed items and failure to conduct reasonable investigations into reported inaccuracies.

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian in XX/XX/XXXX, citing Experians failure to properly investigate consumer disputes, remove incorrect information, and prevent reinsertion of previously deleted errors. My case falls squarely within the pattern of noncompliance outlined in the lawsuit. As a result, Experians actions have harmed my ability to obtain credit, secure employment, and pursue housing opportunities.

Accordingly, I demand an immediate and thorough investigation into the following disputed accounts and inquiries, as required under the FCRA ( 15 U.S.C. 1681i ). If these items are not verified with legally sufficient evidence within 30 days, they must be permanently removed from my credit file. 
Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Incorrect reporting, requires deletion XXXX XXXX XXXX XXXX XXXX ) Inaccurate, must be removed XXXX XXXX XXXX XXXX XXXX  ) Incorrectly reported, requires deletion DEPTEDXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Outdated and unverifiable, requires deletion XXXX XXXX XXXX XXXX XXXX ) Incorrectly attributed, must be removed XXXX ( Multiple Accounts ) Unverifiable, requires deletion XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Incorrectly reported, remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Inaccurate, delete XXXX XXXX  ( Original Creditor : XXXX ) XXXX Account # XXXX ) Incorrect, requires removal XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Inaccurate reporting, delete Disputed Inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX ( Unauthorized ) XXXX Inquiry Date : XX/XX/XXXX ( Unauthorized ) XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Unauthorized ) Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), Experian is required to conduct a reasonable investigation and remove any information that can not be verified. Failure to comply will result in further legal action, including but not limited to, a formal complaint with the CFPB and potential litigation.

A copy of the CFPBs lawsuit against Experian is attached for reference. Please confirm receipt of this dispute and provide a detailed response within the legally mandated XXXX period. If Experian fails to take corrective action, I will pursue all available legal remedies 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