Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX Date : XX/XX/year> To : Experian Information Solutions , Inc . 
P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate and Derogatory Information under FCRA Reference to CFPB Complaint Case No. XXXX Dear Experian Dispute Department , I am writing to dispute several derogatory items on my Experian credit report, as provided in my annual disclosure dated XX/XX/year>. Despite my previous disputes and supporting documentation, the information remains uncorrected, incomplete, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, the items below are inaccurate, incomplete, unverifiable, or improperly reinserted after deletion : [ List all disputed accounts from your credit report with name of creditor, account number, and issue e.g., paid account still reported as charged off, outdated balance, incorrect status, etc. ] These practices are consistent with the same illegal behaviors detailed in the CFPB lawsuit filed against Experian on XX/XX/year> ( XXXX XXXX. XXXX ), which include : Failing to conduct a reasonable reinvestigation of disputes under XXXX XXXX. XXXX ( a ) ; Failing to forward consumer-submitted documentation to furnishers ( XXXX ( a ) ( XXXX ) ) ; Using inaccurate or generic dispute codes that misrepresent the dispute ; Ignoring contradictory or illogical furnisher responses ( e.g., outdated balances or incorrect statuses ) ; Failing to notify consumers of reinvestigation outcomes clearly and fully ( XXXX ( a ) ( XXXX ) ) ; Allowing deleted accounts to be reinserted under new furnishers without required certification or notice ( XXXX ( a ) ( XXXX ) ( B ) - ( C ) ) ; Routinely failing to investigate hard inquiry disputes unless fraud is explicitly claimed. 

Experian has a legal obligation to ensure that the information in my file is accurate, complete, and verifiable. Based on FCRA requirements and the CFPBs findings, you must : XXXX. Conduct a full, reasonable reinvestigation of each item listed ; XXXX. Forward all relevant documentation I have provided to the data furnishers ; XXXX. Delete any item that is inaccurate, unverifiable, or can not be confirmed within XXXX  days ; XXXX. Provide me with clear, written confirmation of the actions taken and a new copy of my credit report reflecting any changes. 

If Experian continues to violate my rights and the FCRA, I am prepared to file a complaint with the Consumer Financial Protection Bureau and pursue legal remedies, including statutory damages under XXXX U.S.C. XXXX and XXXX. 

Enclosed are copies of my documentation supporting each dispute, including account statements, prior dispute letters, and my full credit report. 

Sincerely, XXXX 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