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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Re : Legal Notice of Violations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), 1681i ( a ) ( 6 ) ( B ) ( 3 ), and 1681i ( a ) ( 5 ) ( B ) Dear Sir/Madam, I am writing to formally notify you of several violations regarding my credit report and to demand immediate correction pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After reviewing my credit report, I believe Experian has failed to comply with multiple sections of the FCRA. Specifically, I am challenging violations under the following provisions : 30-Day Response Time 15 U.S.C. 1681i ( a ) : According to 15 U.S.C. 1681i ( a ), Experian is required to complete an investigation of disputed information and notify the consumer of the results within 30 days of receiving a dispute. I have submitted a dispute regarding [ insert nature of dispute ], and I have not received any resolution or response within the required 30-day period. Your failure to investigate and resolve this matter within the statutory timeframe is a direct violation of the FCRA. As a result, I demand that Experian immediately update my credit report, remove any inaccurate or unverifiable information, and provide me with written confirmation of this action.

Investigation Protocol 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) : The FCRA mandates that when a consumer disputes information on their credit report, the credit reporting agency must follow a reasonable investigation protocol. Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ), the credit reporting agency is required to notify the furnisher of the disputed information and investigate the matter in good faith. In my case, Experian has failed to conduct a reasonable and thorough investigation. Despite providing ample evidence to support my dispute, Experian has not conducted an appropriate inquiry into the accuracy of the information. This constitutes a breach of your obligations under the law. I request that Experian re-open my dispute, investigate the matter properly, and provide me with results that meet the statutory requirements.

Reinsertion Protocol 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if any information is deleted or modified as a result of a dispute, Experian is prohibited from reinserting the information into my credit report unless the furnisher provides a certification of the informations accuracy. This provision also requires you to notify me of any reinsertion of previously deleted information. If you have reinserted any disputed information onto my credit report without following this protocol, it is a clear violation of the FCRA. I demand immediate clarification of whether any such reinsertion has occurred and an explanation of how this was handled according to the law.

Given these violations, I request the following actions be taken immediately : A full investigation of all disputed items on my credit report in compliance with the FCRAs requirements.

Immediate removal or correction of any inaccurate, incomplete, or unverifiable information from my credit report.

Written confirmation of your actions to resolve these issues and notification of any changes made to my credit file as a result.

Confirmation that the reinsertion of any previously deleted information has been handled in full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Should these issues not be resolved promptly, I will not hesitate to seek legal recourse, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing a lawsuit to enforce my rights under the FCRA. Additionally, I will be requesting statutory damages, actual damages, and attorney fees if necessary. 

Please provide a written response to this letter within XXXX business days from the date of receipt. 

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