Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XX/XX/XXXX Experian Information Solutions , Inc . 
Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information and unauthorized accounts on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly DELETED or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items Collections Accounts XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX Charge-Off XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Late Payments XXXX  XXXX - XXXX Paid, Closed. ( 6 Late Payments ) * DELETE Payments * XXXX  XXXX - XXXX ( 5 Late Payments ) * DELETE Account * XXXX XXXX XXXX XXXX - XXXX ( 1 Late Payment ) * DELETE Payment * 2. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. DELETE or correct any information that can not be verified or is inaccurate, as mandated by law. 

Also, In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) states the consumer has the right to privacy. 15 U.S.C. 1681 section 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account / consumer report without my written instructions.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated time frame. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]

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