Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccuracies on my credit report. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputesT information. As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax for failing to conduct legitimate investigations into consumer disputes. This action reflects a concerning pattern of noncompliance and negligence, which directly undermines the integrity of the dispute process. Below is a list of the items I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XX/XX/year> As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for failing to conduct legitimate investigations into consumer disputes. This action reflects a concerning pattern of noncompliance and negligence, which directly undermines the integrity of the dispute process. 
Below is a list of the items I am disputing : I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit disputes. 

Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing E complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing a lawsuit to seek damages for non-compliance.

I expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. XXXX Enclosed, you will find copies of all relevant documentation to support my dispute. If you have any questions, I can be reached at Your Phone Number ] or [ Your Email Address ]. 

I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit disputes. Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing E complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing a lawsuit to seek damages for non-compliance. I expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. Enclosed, you will find copies of all relevant documentation to support my dispute.

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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