Consumer complaint received 2025-06-05 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: AL

Complaint narrative:
This account for XXXX XXXX  was deleted by XXXX after a proper investigation but experienced and Equifax has failed to do so. 
Dear Sir or Madam, I previously submitted a detailed dispute dated XX/XX/XXXX regarding inaccuracies in my credit report. It appears that you either failed to investigate or you conducted an insufficient investigation, and you did not send me all the information in my file as requested. As a result, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request further action and disclosures. 
Im sending this using a mailing service which I have every right to use. Do NOT reject my letter because I am using a certified mail service and do NOT reject my letter because it comes from a different zip code. Do NOT reject my letter for any reason instead, I need you to do your job since you havent done it so far. You know you received my dispute as identified above, and my address matches your records, so I trust you will accept this letter and follow through with every obligation you have under the law. Im asking you to send your written response and disclosures to my home address listed below. 
Heres what I request : If you have not conducted a reinvestigation as required by XXXX ( a ), I ask that you immediately begin. 
Explanation of Your Investigation Procedures For each account or item that I disputed, I request : A detailed description of the procedures you used to determine the accuracy and completeness of the information. 
The name, address, and telephone number ( if available ) of any furnisher of information you contacted during the reinvestigation. 
If you did not conduct a proper investigation, explain why not. 
Please provide the written results of your reinvestigation within XXXX business days of completion. 
Document Ref : XXXX Page XXXX of XXXX XXXX Article # XXXX Date : XX/XX/XXXX Results of Your Investigation If you conducted a reinvestigation which resulted in any modifications or deletions to my credit report, I request : A copy of my updated credit report reflecting all changes. 
An explanation of the specific changes made to my report. 
Notification of Deletions or Modifications If your reinvestigation results in the deletion or modification of any disputed information, I request : Notification of these deletions or modifications, along with an explanation of the reasons for the changes. 
Notification to all recipients of my consumer report within the past XXXX months ( or XXXX years for employment purposes ) about these changes. 
Full File Disclosure I request a complete disclosure of all information in my file, as required under XXXX. This includes but is not limited to : All data you maintain about me, including stored information in any form or location. 
I request a complete and unfiltered disclosure of all information in my file, including any suppressed, archived, or non-publicly accessible data that you maintain. 
A list of all hard and soft inquiries, including the reasons for each inquiry and the certification made by the entities requesting my report. 
The sources of all information in my file. 
The identity of all recipients of my consumer reports within : o The past XXXX years for employment purposes. 
o The past XXXX year for all other purposes. 
If any consumer reports were provided to resellers, I also request : o The identity of the reseller. 
o The identity of the ultimate end-users to whom the reseller furnished the reports. 
Credit Scores and Related Information If you maintain any credit scores related to me, I request that you provide the following, as required under XXXX ( f ) : My current credit score or predictive score. 
Document Ref : XXXX Page XXXX of XXXX XXXX Article # XXXX Date : XX/XX/XXXX If multiple credit scores are maintained, please provide all scores along with their respective scoring models and explanations. 
A clear and concise explanation of the key factors that adversely affect my credit score.

The range of possible scores under the model you used.

The date my credit score was generated and the name of the model used to calculate it. 
If there is any cost associated with providing my credit score, I request that you provide : o A detailed explanation of the cost. 
o Instructions on how to obtain the score should I need to pay for it. 
Fraud Alerts and XXXX XXXX Alerts If my file contains any fraud alerts or XXXX XXXX alerts, I request a clear disclosure of these alerts and how they were handled in your investigation. If no fraud alerts exist on my file, please confirm this fact. 
Opt-Out Information Please include a statement explaining how I may opt out of prescreened offers of credit or insurance. 
Consumer Statement Since you did not correct or delete the accounts I disputed, I request the inclusion of a Consumer Statement in my credit file. Do not modify my statement. I have not asked for your help in drafting it so there is no word limit but to help you I have kept this under XXXX words. Please add this to my file and to any report exactly as I have written it. If you refuse, please send me a written explanation to my home address. 
This statement should read as follows : I am writing to express my extreme frustration with the errors on the disputed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Document Ref : XXXX Page XXXX of XXXX XXXX Article # XXXX Date : XX/XX/XXXX By law, these accounts must be deleted since they were not corrected after my dispute. Please ignore these accounts in any scoring or decisions that you make about me. 
Closing Request Please act on all of these requests and, if for some reason you refuse, please explain in writing to me why you refuse and the basis for refusing my request ( XXXX ). 
Thank you for your attention to this matter. I look forward to receiving your prompt response.

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