Consumer complaint received 2025-01-31 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:
I am writing regarding unresolved inaccuracies on my credit report and your failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). This letter services as my formal Round 3 dispute the following accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX " this account is reporting inaccurate late payments despite no supporting documentation '' account remains unverifiable XXXX XXXX XXXX XXXX XXXXXXXX " this account is reporting inaccurate late payments despite no supporting documentation '' account remains unverifiable XXXX XXXX XXXX acct # XXXX " this account is reporting inaccurate late payments despite no supporting documentation '' account remains unverifiable XXXX XXXX XXXX XXXXXXXX " account remains unverifiable '' XXXX XXXX XXXX XXXX XXXX XXXXXXXX " this account is reporting inaccurate late payments despite no supporting documentation '' account remains unverifiable Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for engaging in sham investigations of consumer disputes. The CFPB 's complaint highlights that Experian improperly marked disputes as frivolous or conducted superficial investigations that fail to verify the accuracy of reported information. This practice violates the rights of consumers under the FCRA.

As per the FCRA 611 ( 15 U.S.C 1681i ), Experian is required to : 1. Conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
XXXX. Notify the furnisher oif the disputed information. 
XXXX. Delete or correct information that can not be verified within the required timeframe. 

Given the CFPB 's findings and your previous handling of my disputes, I am concerned that you have not fulfilled your statutory obligations. Let this letter serve as formal notice that I expect the following actions to be taken immediately : 1.Conduct a thorough and reasonable investigation into the disputed accounts listed above.

2. Delete or correct any unverifiable, inaccurate, or incomplete information. 
3. Provide me with a detailed explanation of the investigation process and furnish supporting evidence to verify the information in question.

4.Send me and updated copy of my credit report reflecting any changes.

Under FCRA 611 ( a ) ( 5 ) ( A ), if the disputed items can not be verified, you are legally obligated to remove them from my credit file.

Failure to comply with the FCRA will leave me with no choice but to escalate this matter further by filling a complaint with the CFPB, the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. 

I trust that you will take immediate corrective action and provide a response within the 30 days required by law. 

Sincerely, XXXX 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