Consumer complaint received 2025-01-14 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: PA

Complaint narrative:
I am writing to formally express my concerns and dissatisfaction with Experians handling of consumer disputes, based on my recent experience. It has come to my attention that your investigation procedures are deeply flawed and fail to comply with the standards outlined under the Fair Credit Reporting Act ( FCRA ). 

Issues with Investigation Procedures When I disputed XXXX  XXXX Account Number XXXX, XXXX XXXX XXXX  Account Number XXXX, XXXX/dept of ED Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX. 
Experian failed to conduct a proper investigation. 
Specifically : XXXX. Experian did not accurately convey all relevant information about my dispute to the furnisher of the disputed information. 
XXXX. It appears that Experian uncritically accepted the furnishers response, despite the response being improbable, illogical, or inconsistent with available information. 
XXXX. At the conclusion of the investigation, I was sent a notice that failed to provide clear, accurate, or actionable results. Instead, the communication was ambiguous and left me uncertain about what actions were taken, if any, to resolve my dispute. 

Improper Reinsertion of Inaccurate Information Additionally, I have observed that previously deleted inaccurate information has been reinserted into my credit report under a different furnisher. This indicates that Experian lacks effective matching tools to prevent reappearance of incorrect or previously disputed tradelines. This reinsertion occurred without proper notification or explanation, which violates FCRA requirements.

These deficiencies in Experians dispute handling process are unacceptable and severely impact my creditworthiness and financial well-being.

Requested Actions 1. Reinvestigate the dispute related to [ specific inaccurate account/tradeline ]. Ensure that all relevant information I have provided is communicated to the furnisher and that their response is critically evaluated. 
XXXX. Permanently remove the inaccurate information from my credit report and take steps to ensure it is not reinserted.

3. Provide a clear and detailed explanation of the investigation results, including the evidence reviewed and actions taken.

4. Implement improved procedures to prevent the improper reinsertion of inaccurate information in the future.

I trust Experian will take this complaint seriously and address these concerns promptly. If I do not receive a satisfactory response within 30 days, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. I look forward to your resolution. 

XXXX

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