Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I formally disputed the following accounts, and non-mailable addresses listed on my credit report and to request their removal : Date Generated XX/XX/XXXX Report Number XXXX Addresses : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN, XXXX Address ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL, XXXX Address ID # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX Address ID XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO, XXXX Address ID XXXX XXXX XXXX family XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN, XXXX XXXX ID # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX Address ID # XXXX Single family Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX believe these accounts are inaccurate and should be removed from my credit report . I have previously disputed these accounts, and the creditor has failed to properly reinvestigate the information. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 12 CFR 1022, credit bureaus are required to conduct a reasonable investigation into any dispute and correct any inaccurate information. The creditor 's failure to properly investigate my dispute violates this regulation.According to 15 USC 3002, I am a natural person which means my name in ALL-CAPS isn't me, My name is XXXX XXXX XXXX 15 USC 1692 ( A ) ( 1 ) the term " Bureau '' means the Bureau of Consumer Financial Protection, herein as " CFPB ''. XXXX, XXXX, and Experian are assumed to be credit Bureaus and there is only one Bureau and that is the " CFPB ''. On XX/XX/XXXX, Congress enacted HJR 192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and therefore subject to the proper regulation and restriction ; and whereas the existing emergency had disclosed the provisions of obligations which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

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