Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to formally request the immediate removal of certain accounts from my credit report due to Experian 's failure to provide verification documents within the legally required timeframe. I initiated a dispute with Experian regarding the accuracy of the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per the Fair Credit Reporting Act ( FCRA ), Experian is required to provide verification documents within 30 days of receiving a dispute. I have not received a response from Experian, they failed to provide the necessary verification documents for the disputed accounts within the stipulated XXXXday period following my request for such documentation. This failure is in direct violation of FCRA guidelines and has caused significant distress and potential financial harm. 

I am requesting the CFPB to take immediate action to enforce the FCRA regulations and ensure the removal of these unverified accounts from my credit report. The continued presence of these unverified accounts is unjustly impacting my creditworthiness and is an undue burden on my financial wellbeing. 

Please find attached the following supporting documents for your reference : Copy of my initial dispute letter to Experian.

Correspondence received from Experian regarding the dispute.

Proof of my request for verification documents and Experian 's failure to provide them within the required timeframe.

In accordance with the Fair Credit Reporting Act ( FCRA ), Experian is obligated to conduct a thorough and timely investigation of disputed information and provide verification documents to support the validity of the accounts in question. Despite my compliance with the dispute process and providing all necessary documentation, Experian has failed to fulfill its obligations in the following ways : Lack of Proper Investigation : Experian has not conducted a reasonable investigation into my disputes. The responses I received were generic and did not address the specific issues I raised, nor did they include any verification documents to substantiate the disputed accounts. 

Failure to Provide Verification Documents : I explicitly requested verification documents for the disputed accounts, but Experian has not provided these within the legally required timeframe Ongoing Reporting of Inaccurate Information : Due to Experian 's failure to properly investigate, the inaccurate information remains on my credit report, causing significant damage to my creditworthiness and financial reputation. 

I trust that the CFPB will handle this matter with the urgency and seriousness it deserves and facilitate the removal of these unverified accounts from my credit report at the earliest opportunity. 

Thank you for your prompt attention to this critical issue. I look forward to your swift response and resolution.

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