Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XXXX Email : XXXX Phone Number : XXXX Date : XXXX - XXXX Experian Dispute Resolution Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information in Credit Report Dear Experian Dispute Resolution Department, I am writing to formally dispute inaccurate information present in my credit report. Despite previous attempts to rectify these errors through your dispute process, the inaccuracies persist, adversely affecting my creditworthiness. I am aware that on XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, alleging failures in properly investigating consumer disputes and reinserting previously deleted inaccurate information into credit reports. The specific Accounts I am disputing are : XXXX. Account Name : XXXX  XXXX, Account number : XXXX XXXX. Account Name or Creditor : XXXX XXXX, Account number : XXXX XXXX. Account Name or Creditor : XXXX XXXX XXXX  Account number : XXXX XXXX. Account Name or Creditor : XXXX XXXX XXXX XXXX, Account number : XXXX XXXX. Account XXXX or XXXX : XXXX, Account number : XXXX XXXX. Account XXXX or XXXX : XXXX, Account number : XXXX XXXX. Account Name or Creditor : XXXXXXXX XXXX XXXX Account number : XXXX XXXX. Account Name or Creditor : XXXX  XXXX, Account number : XXXX XXXX. Account Name or Creditor : XXXX XXXX XXXX, Account number : XXXX XXXX. Account Name or Creditor : XXXX XXXX, Account number : XXXX XXXX. Account Name or Creditor : XXXX XXXX XXXX Account number : XXXX XXXX. Account Name or Creditor : XXXX XXXX XXXX XXXX, Account number : XXXX XXXX. Account Name or Creditor : XXXX XXXX XXXX Account number : XXXX XXXX. Account Name or Creditor : XXXX XXXX, Account number : XXXX The specific hard inquiries I am disputing are : XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The specific Public records I am disputing are : XXXX. Public records XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosed are copies of supporting documents, including [ list documents, e.g., payment records, correspondence with creditors ], that substantiate my claims. Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to conduct a reasonable investigation of disputed information and correct or delete any inaccuracies. I request that you : Reinvestigate the disputed items. Correct or delete the inaccuracies promptly. Provide me with an updated copy of my credit report reflecting these changes. Refrain from reinserting any deleted information unless it is verified as accurate, as required by the FCRA. Please acknowledge receipt of this dispute and inform me of the outcome of your investigation within 30 days, as mandated by law. Thank you for your prompt attention to this matter. Sincerely, Name : XXXX XXXX XXXX Enclosures : Copy of credit report with disputed items highlighted [ List of other supporting documents ] Due to the recent lawsuit filed against Experian in. XX/XX/XXXX. I insist you conduct an investigation as you are required by the FCRA Law. I will explicitly say do not accept the findings of the furnishers who do not provide thorough results of their investigation. Which I ask that you provide me with exact details via mail or response to my complaint through the CFPB website and not through your online portal. Please Delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. Don't play games with me! Do your jobs exactly what the law says! Because I'm ready to file a lawsuit against Experian. Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Date of Birth : XXXX Last XXXX SSN : XXXX Experian Dispute Resolution Department XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Experian Customer Service, Subject : Request for Removal of Negative Accounts Due to XXXX Data Breach I am writing to formally request the removal of any negative accounts that may have been impacted by the XXXX data breach that occurred between XXXX and XX/XX/XXXX. As you are aware, this breach compromised the personal data of millions of consumers, and I believe that some of my negative accounts may have resulted from fraudulent activity due to this breach. In light of the breach and the potential for identity theft, I am requesting that any negative or inaccurate accounts be removed from my credit report. This includes any accounts that were opened fraudulently or affected by identity theft due to the data breach. I would appreciate your immediate attention to investigate this matter thoroughly and ensure the correction of my credit report. Please find attached a copy of my credit report, along with documentation of my identity theft or fraud alert, and any other supporting materials to assist in the investigation. I am also requesting confirmation in writing once these negative accounts have been removed or corrected. Additionally, I would appreciate information about the steps XXXX is taking to support consumers whose data may have been compromised and the measures that can be taken to prevent further issues. Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this issue and the restoration of my credit standing. Sincerely, Attachments : Copy of Driver 's License, SSN Card Identity Theft/Fraud Alert Documentation This letter is both polite and direct, addressing the issue of fraudulent accounts that may have resulted from the data breach and requesting their removal. Let me know if youd like to make any adjustments! My information has been exposed with the XXXX data breach, please remove all the negative items in my credit report. I was unaware of those accounts listed below.

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