Consumer complaint received 2025-01-10 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: OR

Complaint narrative:
Subject : Complaint Against Experian for Violations of the FCRA and Unfair Practices To Whom It May Concern, I am writing to file a formal complaint against Experian for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) and for engaging in practices that are unfair, deceptive, and harmful to consumers. 



Over the past month, I have disputed multiple inaccurate items on my Experian credit report, including : XXXXXXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX  account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Despite providing clear evidence that these accounts contain errors, Experian has repeatedly failed to conduct a proper investigation as required under the FCRA. In each case, Experians response to my disputes has been unsatisfactory, with statements such as : 1.The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute.

2.Account information disputed by consumer ( meets requirement of Fair Credit Reporting Act ).

3. The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 



Experians actions ( or inactions ) are not only inadequate but are in direct violation of multiple provisions of the FCRA and the Consumer Financial Protection Act ( CFPA ), as outlined below : Violations of the FCRA 1.Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : Experian has a legal obligation to conduct a reasonable reinvestigation of disputed items. However, its process appears to rely entirely on the furnishers certification of accuracy, without any independent verification. This fails to meet the standard of a reasonable reinvestigation.

2.Failure to Consider Consumer-Submitted Evidence ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : I provided Experian with information supporting my disputes, yet the company failed to forward this documentation to the furnishers, as required under the FCRA.

3.Failure to Provide Accurate Results of the Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : Experian has not provided detailed or meaningful explanations of its reinvestigation findings. Instead, it issues generic responses that do not address the substance of my disputes.

4.Failure to Prevent Re-insertion of Erroneous Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) : Experian has allowed disputed information to remain on my credit report.

Unfair and Deceptive Practices Under the CFPA : Experians dispute resolution process is fundamentally flawed and unfair to consumers. Its actions violate the Consumer Financial Protection Acts prohibition against unfair, deceptive, and abusive acts or practices ( 12 U.S.C. 5531 ). Specifically : Experian fails to conduct meaningful investigations into disputes.

It uncritically defers to furnishers responses without verifying their accuracy or validity.

It fails to prevent the reinsertion of inaccurate information, which harms consumers creditworthiness and access to housing, employment, and financial products.

Specific Questions for Investigation I request answers to the following questions regarding Experians handling
of my disputes : 1.Who did Experian verify these disputed accounts with? Please provide the name ( s ) of individuals or entities contacted.

2.What evidence was used to confirm the accuracy of these accounts?

3.Why were consumer-submitted documents not forwarded to furnishers or used during the investigation process?

4.Why has Experian failed to remove or correct the disputed accounts despite clear evidence of inaccuracies? 



Requested Resolution I request the following actions to resolve this matter : 1.The immediate removal of the disputed accounts from my Experian credit report, including the XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXXXXXX XXXX XXXXXXXX XXXX 

XXXX full investigation into Experians dispute resolution process, including its failure to comply with FCRA requirements.

3.Confirmation that Experian has implemented corrective actions to prevent similar violations in the future.

Experians refusal to comply with the FCRA and its reliance on flawed investigation processes have caused me significant harm, including damage to my credit score and restricted access to credit, employment, and housing opportunities. I urge the CFPB to take swift action to address these violations and hold Experian accountable. 


Thank you for your attention to this matter. 


Sincerely,

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