Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts on Experian [ XXXX XXXX XXXX  & XXXX ], [ XXXX XXXX XXXX & XXXX ], [ XXXX XXXX  XXXX & XXXX ], [ XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX XXXX ], XXXX XXXX XXXX & XXXX ], [ XXXX XXXX XXXX & XXXX ], [ XXXX XXXX & XXXX ] , [ XXXX XXXX XXXX XXXX  & XXXX ] , [ XXXX XXXX XXXX XXXX ], [ XXXX  XXXX XXXX & XXXX ], [ XXXX XXXX XXXX & XXXX ], [ XXXX XXXX XXXX & XXXX ], [ XXXX XXXX XXXX & XXXX ], [ XXXX XXXX XXXX & XXXX ], [ XXXX XXXX XXXX & XXXX ], [ XXXX XXXX XXXXXXXX XXXX XXXX ], XXXX  XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX & XXXX ], [ XXXX XXXX XXXX & XXXX ] are not complete and accurate.

I sent a letter asking them to make sure everything is complete and accurate, and here is my tracking number, USPS : XXXX, Individual : XXXX, TX XXXX, XX/XX/year>, XXXX XXXX  It has been over 35 days with no response, and according to 15 USC 1661i ( a ) ( 1 ) ( A ), Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a resonable reinvestigation to determine whether the disputed information is accurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency recieves the notice of the dispute from the consumer or reseller.

They also violated these laws According to 15 USC 1681i 5, they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that infomration that the informationhas been modified or deleted from the file of the consumer.

According to 15 USC 16811s-2, they are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

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