Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes.Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that are marked as inaccurate XXXX XXXX XXXX account number ending XXXX XXXX XXXX XXXX XXXX XXXX xxxx View details Account Status CLOSED Last Payment Amount Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX View details Account Status CLOSED Last Payment Amount Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX View details Account Status CLOSED Last Payment Amount Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX 1901 View details Account Status CLOSED Last Payment Amount Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX CREDIT BUREAU XXXX XXXX XXXX XXXX details Account Status CLOSED Last Payment Amount Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX View details Account Status CLOSED Last Payment Amount {$74.00} Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX View details Account Status CLOSED Last Payment Amount {$160.00} Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX View details Account Status CLOSED Last Payment Amount Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX View details Account Status CLOSED Last Payment Amount {$160.00} Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX View details Account Status CLOSED Last Payment Amount {$130.00} Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX View details Account Status CLOSED Last Payment Amount {$200.00} Late Payments XXXX Age of Account XXXX XXXX Security Finance xxxx # # View details Account Status CLOSED Last Payment Amount {$68.00} Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX xxxxxxx XXXX View details Account Status CLOSED Last Payment Amount Late Payments XXXX Age of Account XXXX XXXX Security Finance xxxx # # View details Account Status CLOSED Last Payment Amount {$240.00} Late Payments XXXX Age of Account XXXX XXXX Security Finance xxxx # # View details Account Status CLOSED Last Payment Amount {$250.00} Late Payments XXXX Age of Account XXXX XXXX Security Finance xxxx # # View details Account Status CLOSED Last Payment Amount {$370.00} Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX  # # View details Account Status CLOSED Last Payment Amount {$68.00} Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX View details Account Status CLOSED Last Payment Amount Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX View details Account Status CLOSED Last Payment Amount Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX View details Account Status CLOSED Last Payment Amount Late Payments XXXX Age of Account XXXX 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