Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
Certainly! Below is a draft of a dispute letter referencing the issues highlighted in the CFPB lawsuit against Experian. You can modify the letter based on your specific situation. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian Consumer XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian Dispute Resolution Team, I am writing to formally dispute the accuracy of certain information on my credit report, as I have noticed several discrepancies that are still unresolved despite my previous attempts to address them. 

I have reviewed my credit report issued by Experian, and I have found inaccurate information that continues to affect my credit score and overall credit profile. Specifically, the following entries are either incomplete, incorrect, or outdated : [ List the specific inaccurate information here, including account names, numbers, dates, or any other details. ] I am deeply concerned because I have made several disputes regarding these entries in the past, and as noted in the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, these types of issuessuch as failing to properly investigate disputes and ensure accuracyappear to persist. It is clear from the CFPBs actions that Experian has not fully adhered to the requirements set forth under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

The CFPBs lawsuit highlights the failures in Experians dispute process, particularly in failing to correct inaccurate information after receiving consumer disputes. Despite providing sufficient evidence to demonstrate that the reported information is incorrect, I continue to face inaccurate entries on my credit report, which is a violation of my rights under the FCRA. 

I request that you : 1. Reinvestigate the disputed information promptly and accurately, as required by the FCRA.

2. Provide me with an updated and corrected copy of my credit report, reflecting the accurate information.

3. Furnish me with documentation of the investigation and any updates made to my file.

Please treat this matter with urgency, as the continued reporting of inaccurate information is causing me harm. I expect your investigation to be thorough and for the inaccuracies to be rectified as soon as possible.

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

Sincerely, XXXX XXXX XXXX SSN last four XXXX Ensure you include any specific documentation or evidence you have to support your dispute. You might also want to send the letter via certified mail with a return receipt to confirm its delivery.

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