Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for its continued failure to accurately report and correct errors on my credit report, despite my formal dispute. This failure violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and aligns with the systemic issues identified in the Consumer Financial Protection Bureaus ( CFPB ) XXXX lawsuit against Experian ( Case No. XXXX ). 

Nature of the Complaint : 1. Failure to Conduct a Reasonable Reinvestigation ( FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : I disputed Experians inaccurate reporting of my XXXX XXXX XXXX account on XX/XX/XXXX. My dispute included documentation proving that Experians reporting of my payment history was incorrect, yet Experian failed to investigate properly. According to the CFPB complaint against Experian, the company has a history of failing to conduct reasonable reinvestigations, often merely forwarding disputes to data furnishers without proper review. Experians reliance on furnishers responses without considering my supporting evidence directly aligns with Count V of the CFPBs complaint, which details Experians unreasonable over-reliance on a furnishers XXXX response. 

2. Failure to Forward All Relevant Information to Furnishers ( FCRA, 15 U.S.C. 1681i ( a ) ( 2 ) ) : I provided detailed supporting documents, including a copy of my credit report showing inaccurate reporting, yet Experian failed to forward this information to XXXX XXXX  for review. The CFPBs lawsuit found that Experian systematically fails to provide all relevant consumer documentation when transmitting disputes to furnishers ( XXXX XXXX XXXX XXXX  ). 

3. Failure to Delete Inaccurate Information ( FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Under FCRA regulations, if an item of information can not be verified as accurate, it must be deleted from the consumers file. Despite Experians failure to verify my payment history with XXXX XXXX, it continued reporting the erroneous tradeline, violating FCRA requirements. The CFPB complaint documented over XXXX instances where Experian refused to delete inaccurate information after a furnisher requested deletion ( XXXXXXXX XXXX  ). 

4. Failure to Notify Me of the Results of Reinvestigation ( FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ) : Experian failed to provide clear results of its reinvestigation, merely stating that the dispute was " updated, '' without indicating what changed, if anything. This pattern was explicitly highlighted in the CFPB complaint, which found that Experians result letters and responses are confusing, ambiguous, and fail to inform consumers of actual dispute outcomes ( XXXX XXXX ). 

5. Failure to Maintain Reasonable Procedures to Ensure Maximum Possible Accuracy ( FCRA, 15 U.S.C. 1681e ( b ) ) : Despite multiple disputes and supporting documents, Experian failed to correct its reporting errors regarding my XXXX XXXX  account. The CFPB lawsuit found that Experian does not implement procedures to prevent incorrect data from being reinserted or re-reported by different furnishers ( XXXX  XXXX ). 

6. Failure to Investigate Hard Inquiry Disputes ( FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : Experian refuses to reinvestigate hard inquiries unless fraud is alleged, violating the FCRAs requirement to conduct a reasonable reinvestigation for any disputed item. 
The CFPB complaint outlines that Experian systematically refuses to investigate hard inquiries ( XXXX XXXX ). 

7. Failure to Remove Outdated or Unverifiable Information ( FCRA, 15 U.S.C. 1681c ( a ) ( 5 ) ) : If an item is found to be incomplete or unverifiable, it must be deleted. 
Experian continued reporting unverifiable data, even though it failed to substantiate the accuracy of my payment history.

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