Consumer complaint received 2025-02-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MA XXXX Subject : Dispute of Inaccurate Information & Noncompliance Civil Liability Under 15 U.S. Code 1681o Dear cfpd, I am writing to formally dispute inaccurate information on my credit report and to bring to your attention your failure to comply with the requirements of the **Fair Credit Reporting Act ( FCRA ) **, specifically Section **1681o**, which holds credit reporting agencies accountable for negligent noncompliance. 

On XX/XX/XXXX, I submitted a dispute regarding the following inaccurate entry on my credit report : - XXXX XXXX XXXX XXXX  account number # XXXX - reporting errors late payment, incorrect balance, or status Despite my dispute and the clear evidence I provided to demonstrate that the information is inaccurate, it appears that the credit report has not been updated accordingly. Additionally, I have not received any communication regarding the status or outcome of your investigation within the required time frame outlined under the FCRA. 

Failure to comply with the FCRA**especially your failure to investigate the dispute in a timely manner, or provide me with a written responseconstitutes **negligent noncompliance** under XXXX15 U.S. Code 1681o**. This section specifically provides that a consumer may pursue civil remedies when a credit reporting agency fails to properly investigate and correct inaccuracies in the consumer 's report. 

To summarize, my complaint is as follows : 1. Noncompliance with the FCRA** : The failure to investigate my dispute within the 30-day period ( as mandated by the FCRA ).

2. Failure to Correct Inaccurate Information** : Despite providing supporting documentation, the inaccurate entry has not been rectified. 
3. **Failure to Communicate** : I have not been provided with any timely updates or the results of your investigation into my dispute.

I request that you immediately : 1. Investigate and correct the inaccurate information on my credit report.

2. Provide a response** regarding the status of your investigation, including the results and any actions taken.

3. Compensate** for any damages or inconvenience resulting from your negligence, in accordance with the provisions of the FCRA XXXX 

Please find enclosed the supporting documentation I have submitted previously and again for your reference. I expect this matter to be resolved promptly, as per the FCRA requirements, and I request that you respond to this letter no later than 15 business days from receipt.

Should you fail to comply with the FCRAs provisions, I will not hesitate to seek further legal remedies available under 15 U.S. Code 1681o, which may include pursuing damages for negligent noncompliance. 

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

Sincerely, XXXX XXXX XXXX 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