Consumer complaint received 2025-02-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX ] XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : COMPLAINT FOR INJUNCTIVE RELIEF, REDRESS, DISGORGEMENT, AND CIVIL MONEY PENALTIES ACTION SEEKING RELIEF Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Sir/Madam, The Consumer XXXX XXXX XXXX XXXX brings this action against Experian Information Solutions , Inc. ( Experian or the Company ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) ( b ), 5564, and 5565.

Specifically, I am concerned about several accounts that have been inaccurately reported, despite my attempts to resolve these issues in accordance with the FCRAs dispute resolution process. In particular, the Company has failed to properly investigate and verify the accuracy of certain accounts, and they have continued to include these accounts on my credit report without substantiated proof of their validity. 

I am aware of the recent legal action involving Experian, in which the company was sued for allegedly failing to properly investigate disputes and validating accounts without sufficient evidence. This behavior, as evidenced in the lawsuit, demonstrates a systemic failure to adhere to the FCRAs requirements for accurate and fair credit reporting. 

I respectfully request the immediate removal of the following accounts or inquires from my credit report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  These items have caused significant harm to my credit standing and have had a detrimental effect on my financial well-being. I ask that you conduct a thorough investigation into these matters, in compliance with the FCRA, CFPA, and take appropriate corrective actions, including the removal of these inaccurate and misleading accounts from my credit report.

I would also like to request a written response acknowledging the actions taken in this matter, and a corrected copy of my credit report once the investigation and resolution are complete.

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

Sincerely, XXXX XXXX XXXX XXXX XXXX authorized representative

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