Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Investigation into Experians Reinvestigation Procedures and FCRA Compliance Dear CFPB Representative, I am writing to formally request an investigation into Experians handling of disputes regarding inaccuracies on my credit report. Based on my credit reports from XX/XX/XXXX and XX/XX/XXXX, I believe Experian has not complied with the Fair Credit Reporting Act ( FCRA ) and continues to allow unverifiable and inaccurate information to remain on my credit profile. 
Concerns with Experians Processes I do not trust the accuracy of any accounts listed on my credit report due to the non-compliance and illegal practices evident in XXXX reinvestigation procedures. Specifically : XXXX. Failure to Produce Verifiable Documentation : Experian has not provided proof of who conducted reinvestigations, the evidence used, or the steps taken to verify disputed information. 
XXXX. Automation Over Compliance : Comments such as " investigation complete, reported by data furnisher '' suggest Experian relied solely on automated systems, such as e-OSCAR, without conducting reasonable investigations. 

Scope of Disputes I request that all items on my credit report be reinvestigated. " See Credit Reports Attached for XX/XX/XXXX and XX/XX/XXXX ''. 
If verifiable documentation can not be provided or produced, I respectfully request that those items be removed from my credit file. Specifically : All Other Items : Given the non-compliance in handling disputes and the lack of transparency, I believe all other accounts should also be reinvestigated. 
FCRA Violations and Impact Experians actions, or lack thereof, appear to violate the FCRAs provisions : Section 611 ( a ) requires a reasonable reinvestigation of disputed information.

Section 611 ( d ) mandates that the consumer receive a description of how the reinvestigation was conducted, including details about the furnisher and evidence used. 
The continued presence of inaccurate and unverifiable information has caused significant harm : A reduced credit score ( FICO XXXX in XX/XX/XXXX ). 
Financial hardship due to limited access to affordable credit. 
Emotional distress resulting from XXXX failure to address my disputes adequately. 
Request for Action I respectfully request the CFPB to : XXXX. Investigate whether Experian followed proper reinvestigation procedures as required by the FCRA. 
XXXX. Require Experian to provide verifiable proof for all items listed on my credit report, including the identity of investigators, the methodology used, and the evidence supporting their accuracy. 
XXXX. Remove any items for which Experian or the data furnishers can not provide verifiable proof. 
Supporting Documentation I am attaching copies of my credit reports from XX/XX/XXXX and XX/XX/XXXX to demonstrate the unresolved issues and Experians repeated failure to comply with the law. 
Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or XXXX if additional information is required. 
Sincerely, XXXX, XXXX Attachments XX/XX/XXXX Credit Report ( Experian Dispute Reinvestigation Results ) XX/XX/XXXX Credit Report

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