Consumer complaint received 2025-03-21 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, PA XXXX Experian Equifax Transunion Subject : Formal Dispute Regarding Inaccurate information on My Credit Report Dear Representative : I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes citing " sham investigations. '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in similar manner.

Please review the Inaccurate information being report : 1 : Under the FCRA you are required to : Conduct a proper investigation into my dispute.

inform me of the results of my investigation in a clear and comprehensible manner.

Provide me with any documentations you rely on if the disputed information is verified accurate.

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30 day time frame Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian Equifax Transunion Subject : Formal Dispute Regarding Inaccurate information on My Credit Report Dear Experian representative : I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes citing " sham investigations. '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in similar manner.

Please review the Inaccurate information being report : 1 : Under the FCRA you are required to : Conduct a proper investigation into my dispute.

inform me of the results of my investigation in a clear and comprehensible manner.

Provide me with any documentations you rely on if the disputed information is verified accurate.

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies.

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30 day time frame Sincerely, 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