Consumer complaint received 2025-01-19 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: NC

Complaint narrative:
Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate and Unverified Information on My Consumer Report To Whom It May Concern, I am writing to formally dispute inaccurate and unverified information appearing on my consumer credit report maintained by Experian. As a consumer reporting agency, Experian is obligated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to ensure that all information included in a consumer report is accurate, complete, and verified.

The recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) highlights systemic failures by Experian to comply with its legal obligations, including : 1. Failing to conduct proper reinvestigations of disputed information.

2. Not removing inaccurate, incomplete, or unverifiable information from consumer reports.

3. Reinserting previously deleted information without proper verification.

These failures have directly affected me as a consumer. By reporting false and inaccurate information on my credit report, Experian has caused me significant harm, including difficulty obtaining credit, unfavorable terms on credit offers, and damage to my financial reputation. These issues are a direct result of Experians noncompliance with its obligations under the FCRA.

In accordance with 15 U.S.C. 1681i ( a ), Experian is required to conduct a thorough and timely reinvestigation of disputed information to determine its accuracy. If the information can not be verified or is found to be inaccurate, Experian must promptly delete or correct it. Additionally, under 15 U.S.C. 1681e ( b ), Experian must maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.

The disputed accounts on my report are inaccurate, unverifiable, or incomplete. I demand the immediate removal of any accounts or tradelines that can not be fully substantiated as accurate. Specifically, I request : 1. Verification of each disputed item, including the name of the furnisher and the method of verification.

2. Immediate deletion of all inaccurate or unverifiable information, as required by law.

3. A revised copy of my credit report reflecting these corrections.

Experians failure to comply with the FCRA has negatively impacted my ability to secure financial opportunities, and this matter must be addressed immediately. Failure to resolve this dispute adequately will leave me no choice but to escalate the issue to explore further legal remedies to protect my rights as a consumer.

Please respond to this dispute in writing within 30 days of receipt, as required by the FCRA. I have attached all necessary supporting documents, including a copy of my credit report with the disputed items highlighted.

Thank you for your immediate attention to this matter. I look forward to your prompt response Disputed Accounts XXXX, credence resource ma, XXXX XXXX, XXXX federal credit, bullcity financial 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