Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
I am filing this formal complaint against Experian for its repeated failure to properly investigate inaccuracies on my credit report. Despite my diligent efforts to dispute incorrect information, Experian has consistently responded within 24 hours, asserting that the disputed accounts are accurate. However, these responses lack evidence of a thorough investigation, a violation of federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are obligated to conduct reasonable investigations into disputed information. Experians failure to fully investigate my disputes and provide substantiated evidence of the accuracy of the accounts in question is a direct breach of this requirement.

Furthermore, Experians actions violate the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S. Code 5536 ( 1 ), which prohibits any covered person or service provider from : ( A ) Offering or providing financial products or services in a manner inconsistent with federal consumer financial law, or committing acts or omissions in violation of such laws ; or ( B ) Engaging in unfair, deceptive, or abusive acts or practices. 

By failing to properly investigate disputes and by issuing cursory, unsupported responses, Experian has demonstrated unfair and unethical practices that negatively impact consumers. 

Specifically, I have disputed the following accounts as inaccurate : XXXX XXXX XXXX This account is marked as closed but shows " XXXX Potentially Negative Months '' on my credit report, which is erroneous. 

XXXX XXXX XXXXXXXX This account contains inaccuracies that Experian has not adequately investigated. 

XXXX XXXX XXXX XXXX - Inquiry I am filing this formal complaint against Experian for its repeated failure to properly investigate inaccuracies on my credit report. Despite my diligent efforts to dispute incorrect information, Experian has consistently responded within 24 hours, asserting that the disputed accounts are accurate. However, these responses lack evidence of a thorough investigation, a violation of federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are obligated to conduct reasonable investigations into disputed information. Experians failure to fully investigate my disputes and provide substantiated evidence of the accuracy of the accounts in question is a direct breach of this requirement.

Furthermore, Experians actions violate the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S. Code 5536 ( 1 ), which prohibits any covered person or service provider from : ( A ) Offering or providing financial products or services in a manner inconsistent with federal consumer financial law, or committing acts or omissions in violation of such laws ; or ( B ) Engaging in unfair, deceptive, or abusive acts or practices. 

By failing to properly investigate disputes and by issuing cursory, unsupported responses, Experian has demonstrated unfair and unethical practices that negatively impact consumers. 

Specifically, I have disputed the following accounts as inaccurate : XXXXXXXX XXXX XXXX This account is marked as closed but shows " XXXX Potentially Negative Months '' on my credit report, which is erroneous. 

XXXX XXXX XXXX This account contains inaccuracies that Experian has not adequately investigated. 

XXXX XXXX XXXX XXXX XXXX Inquiry Amount of Debt - Which shows on the credit report a poor score of 30 % I request that the Consumer Financial Protection Bureau take action to ensure Experian complies with federal law. Experian must conduct thorough investigations into disputed accounts, provide consumers with proof of its findings, and remove any inaccurate or unverifiable information from credit reports.d I request that the Consumer Financial Protection Bureau take action to ensure Experian complies with federal law. Experian must conduct thorough investigations into disputed accounts, provide consumers with proof of its findings, and remove any inaccurate or unverifiable information from credit reports.

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