Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau CFPB have brought to light significant concerns regarding experians failure to conduct proper investigations specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 USC section 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 USC section 1681i ( a ) 5, any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian. 

XXXX ) conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX, XXXX XXXX # XXXX Repeated CO misrepresentation the account status Provide documentation of late payments with my wet signature authorizing the reporting of late payments, without this is a violation of the fair credit reporting act, which mandates accurate and authorized reporting of consumer credit data XXXX XXXX # XXXX Repeated CO misrepresent the account status Provide documentation of late payments without my wet signature authorizing the reporting of late payments and they are still reported, this is a violation of the Fair Credit Reporting Act, which mandates accurate and authorized reporting of XXXX XXXX XXXX 
Missing information XXXX XXXX XXXX missing information Terms 1 months? 
Want show valid proof of ownership of debt How are the collecting but owner of debt requesting proof of debt with my wet signature validating debt XXXXXXXX XXXX misleading Show proof of authorized signature by me agreeing to misinformation or negative remarks, late payments, along with charge off original date and the misleading of monthly of charged off inflating my credit report and causing initial harm to my credit report. FCRA falsified reporting of scheduled payments violation, required proof of those figures. Proof of this accurately reported this report would be an engrossious violation FCRA HARD INQUIRIES XXXX XXXX Didn't have my permission to inquire about my credit report and never done any business dealings with XXXX I would appreciate it and like this removed as it is reporting falsely on my credit report Date opened, Date written offas of ( date ) inaccurately reported ) 2 ) provide me with all documentation used to verify the accuracy of the disputed information.

3 ) correct or delete any information that can not be verified or is inaccurate as mandated by law. 


Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards a copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate the matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legal mandated time frame. I expect written confirmation of any changes made to my credit file. 

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