Consumer complaint received 2025-03-04 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Subject : Request for Compliance FCRA 15 U.S.C . 1681i & Inaccurate Information on Credit Report Dear Experian I am writing to formally request your immediate attention to inaccuracies on my credit report and to ensure compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I previously submitted a dispute regarding certain items on my credit report ; however, upon review, it appears that the dispute process was not handled in full accordance with federal law. 

As a consumer reporting agency, you are required under the FCRA to conduct a reasonable reinvestigation of any disputed information and provide a written notice of the results within five business days after completing the investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ). It appears that this process was not properly executed in my case.

Additionally, I have identified the following violations of your legal obligations under the FCRA : Failure to forward disputes to furnishers in a timely manner ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ) Failure to conduct a reasonable reinvestigation and provide all relevant information to furnishers ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to properly investigate disputes regarding hard inquiries ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to implement reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) Based on these concerns, I respectfully request a thorough review and, if applicable, the removal of the following items that do not meet the FCRAs accuracy and completeness requirements : XXXX XXXX XXXX XXXX PLEASE DELETE IMMEDIATELY XXXX XXXX XXXX XXXX  PLEASE DELETE IMMEDIATELY XXXX XXXX XXXX  PLEASE DELETE IMMEDIATELY XXXX XXXX XXXX XXXX PLEASE DELETE IMMEDIATELY XXXX XXXX XXXX XXXXXXXX PLEASE DELETE IMMEDIATELY XXXX XXXX XXXX PLEASE DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE IMMEDIATELY XXXX XXXX XXXX XXXXXXXX PLEASE DELETE IMMEDIATELY XXXX XXXX XXXX XXXXXXXX PLEASE DELETE IMMEDIATELY XXXX XXXX XXXX XXXXXXXX PLEASE DELETE IMMEDIATELY Under the FCRA, if these disputes are not resolved within the legally mandated timeframe, I am entitled to request the removal of these items from my credit report. I urge you to take immediate corrective action in accordance with federal law. If this matter is not resolved promptly, I will be left with no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and the Federal Trade Commission ( FTC ). 

I appreciate your immediate attention to this matter and look forward to your prompt response. Please provide written confirmation of your findings and any corrective actions taken. 

Sincerely, XXXX XXXX XXXX & Inaccurate Information on Credit Report Dear [ Credit Bureau Name ], I am writing to formally request your immediate attention to inaccuracies on my credit report and to ensure compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I previously submitted a dispute regarding certain items on my credit report ; however, upon review, it appears that the dispute process was not handled in full accordance with federal law. As a consumer reporting agency, you are required under the FCRA to conduct a reasonable reinvestigation of any disputed information and provide a written notice of the results within five business days after completing the investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ). It appears that this process was not properly executed in my case. Additionally, I have identified the following violations of your legal obligations under the FCRA : Failure to forward disputes to furnishers in a timely manner ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ) Failure to conduct a reasonable reinvestigation and provide all relevant information to furnishers ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to properly investigate disputes regarding hard inquiries ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to implement reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) Based on these concerns, I respectfully request a thorough review and, if applicable, the removal of the following items that do not meet the FCRAs accuracy and completeness requirements : [ Disputed Item Name & Account Number ] [ Reason for Dispute ] Under the FCRA, if these disputes are not resolved within the legally mandated timeframe, I am entitled to request the removal of these items from my credit report. I urge you to take immediate corrective action in accordance with federal law. If this matter is not resolved promptly, I will be left with no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Federal Trade Commission ( FTC ). I appreciate your immediate attention to this matter and look forward to your prompt response. Please provide written confirmation of your findings and any corrective actions taken. Sincerely, [ First & Last Name ] & Last Name ] [ Address ] [ Date of Birth ] [ Last 4 Digits of SSN ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] Subject : Request for Compliance FCRA 15 U.S.C. 1681i & Inaccurate Information on Credit Report Dear [ Credit Bureau Name ], I am writing to formally request your immediate attention to inaccuracies on my credit report and to ensure compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I previously submitted a dispute regarding certain items on my credit report ; however, upon review, it appears that the dispute process was not handled in full accordance with federal law. As a consumer reporting agency, you are required under the FCRA to conduct a reasonable reinvestigation of any disputed information and provide a written notice of the results within five business days after completing the investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ). It appears that this process was not properly executed in my case. Additionally, I have identified the following violations of your legal obligations under the FCRA : Failure to forward disputes to furnishers in a timely manner ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ) Failure to conduct a reasonable reinvestigation and provide all relevant information to furnishers ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to properly investigate disputes regarding hard inquiries ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to implement reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) Based on these concerns, I respectfully request a thorough review and, if applicable, the removal of the following items that do not meet the FCRAs accuracy and completeness requirements : [ Disputed Item Name & Account Number ] [ Reason for Dispute ] Under the FCRA, if these disputes are not resolved within the legally mandated timeframe, I am entitled to request the remo

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