Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
I am writing to formally dispute the inaccurate information that XXXX has been reporting on my credit file. Despite my repeated attempts to have this matter resolved, the inaccuracies remain, and XXXX has failed to properly investigate or correct these issues as required by law. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611, XXXX is obligated to conduct a reasonable investigation of any disputed information. The law also mandates that if the information can not be verified, it must be promptly corrected or deleted from the credit report. XXXX failure to conduct a thorough investigation and resolve these inaccuracies constitutes a violation of this federal law. 

Timeline of Events : On XX/XX/XXXX, I submitted a formal dispute to XXXX, providing clear evidence and requesting a proper investigation. 
On XX/XX/XXXX, I received a response from XXXX stating that the disputed items were marked as accurate and verified without any clear explanation or evidence supporting their accuracy. 
I followed up on XX/XX/XXXX, reiterating my concerns and requesting additional verification, but I did not receive a satisfactory response. 
Most recently, on XX/XX/XXXX, I sent another letter to XXXX, demanding a resolution, but the inaccurate information is still being reported. 

The information in question includes [ list specific inaccuracies, such as accounts, balances, or other disputed details ], which I have confirmed are not valid or were never opened by me. 

Applicable Consumer Protections : 1. FCRA Section 611 ( 15 U.S.C. 1681i ) : Credit reporting agencies must investigate disputes and ensure that the information reported is accurate and verifiable. 
2. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Information furnishers are required to provide accurate information and investigate disputes thoroughly when notified by the credit bureaus. 
3. FCRA Section 605 ( 15 U.S.C. 1681c ) : Inaccurate or unverifiable information must not remain on a consumers credit file. 

XXXX ongoing reporting of this inaccurate information is causing me significant harm, including [ list impacts, such as difficulty obtaining credit, higher interest rates, or emotional distress ]. 

Requested Resolution : I demand that XXXX : 1. Immediately delete all inaccurate and unverifiable information from my credit report. 
2. Provide written confirmation of these deletions within 30 days. 
3. Comply with all applicable federal laws moving forward. 

If XXXX fails to resolve this issue promptly, I am prepared to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies under the FCRA. 

I expect a full resolution of this matter and written confirmation no later than XX/XX/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