Consumer complaint received 2025-01-12 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: AL

Complaint narrative:
Dear CFPB Complaint Resolution Team, I am writing to formally file a complaint against Experian regarding their failure to conduct a proper investigation into a dispute I submitted about an inaccurate XXXX XXXX XXXX XXXX account listed on my credit report. The account information reported by Experian violates the Fair Credit Reporting Act ( FCRA ), and Experians handling of my dispute exemplifies the same improper investigation practices cited in the XXXX recent lawsuit against Experian. 

Summary of My Complaint : Failure to Conduct a Proper Investigation : I disputed the XXXX XXXX XXXX XXXX account with Experian due to significant inaccuracies, including mismatched account numbers, inconsistent opening dates, incorrect last payment dates, and discrepancies in the account status. Despite my providing supporting documentation and evidence, Experian failed to provide a meaningful investigation or a reasonable expla

nation of their verification method. Inability to Verify Data : In accordance with FCRA Section 611 ( a ) ( 7 ), I requested Experian disclose the method of verification used to confirm the accuracy of the disputed account. Experian failed to respond with adequate details, which directly violates my rights under FCRA Section 611 ( a ) ( 6 ) and ( 7 ).

Improper Reporting of Inaccurate Information : Experian continues to report this inaccurate account on my credit report despite having no verifiable evidence of its legitimacy. This negligence is further compounded by their failure to ensure the accuracy and completeness of the information, as mandated by FCRA Section 607 ( b ).

Impact of Data Breach on My Consumer Data : As a victim of Experian 's recent data breach, I have reason to believe that my personal information may have been compromised, further calling into question the integrity of the disputed account and the verification process Experian used.

CFPB Lawsuit Against Experian : The CFPB has recently taken legal action against Experian for failing to comply with the FCRA by engaging in improper dispute investigation practices. My experience mirrors the issues raised in the lawsuit : Experians systemically flawed dispute handling processes have left me with unresolved inaccuracies on my credit report, despite my clear evidence and good-faith efforts to correct the record.

Legal Basis for My Request : Under the FCRA, Experian is obligated to : Conduct a reasonable investigation into disputes submitted by consumers ( FCRA Section 611 ).

Delete the unverifiable information within 30 days ( FCRA Section 611 ( a ) ( 1 ) ( A ) ).

Provide a detailed explanation of the method of verification upon consumer request ( FCRA Section 611 ( a ) ( 7 ) ).

Ensure maximum possible accuracy of consumer reports ( FCRA Section 607 ( b ) ).

Experians failure to comply with these statutory requirements is not only a violation of my consumer rights but also indicative of the systemic problems highlighted in the CFPBs legal action against them.

Requested Resolution : Given Experians inability to verify the disputed account and their history of improper dispute investigations, I am requesting the CFPB : Investigate Experians handling of my dispute to ensure compliance with FCRA requirements. 
Order the immediate deletion of the inaccurate XXXX XXXX XXXX XXXX account from my Experian credit report. 
Require Experian to provide detailed documentation supporting their investigation and verification methods for this account. 
I have enclosed copies of the following documents for your review : My initial dispute letter to Experian. 
Experians response ( if any ) to my request for verification.

A copy of my Experian credit report showing the disputed account.

I trust the CFPB will hold Experian accountable for their continued non-compliance with federal laws and protect consumers like me from the harm caused by their improper investigation practices. 

Thank you for your attention to this matter. I look forward to your prompt response.

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