Consumer complaint received 2025-01-12 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern : I am writing to formally dispute inaccurate and incomplete information on my Experian credit report. Despite my repeated disputes, the inaccuracies remain unresolved. These issues align with the practices identified in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian ( Case No. XXXX ), which highlighted systemic failures in Experians dispute handling processes.

The issues with my credit report include : 1. Failure to Correct Inaccurate Information : My prior disputes have not resulted in the removal of inaccurate information. 
2. Lack of Comprehensive Reinvestigation : Experian has failed to provide a reasonable reinvestigation, often relying solely on furnishers responses without considering supporting documentation I submitted.

3. Improper Reinsertions : Deleted information has reappeared on my credit report without notice or certification, violating FCRA 1681i ( a ) ( 5 ) ( B ). 
XXXX. Confusing and Incomplete Results : Experian has provided results letters that are contradictory and fail to explain what changes, if any, were made to my report. 

The CFPB lawsuit underscores that Experians dispute resolution practices fail to comply with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). These include, but are not limited to : Failure to conduct reasonable reinvestigations ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Inadequate communication of dispute information to furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ).

Failure to provide clear and accurate results of investigations ( 15 U.S.C. 1681
i ( a ) ( 6 ) ( A ) ).

I request that Experian : 1. Conduct a Thorough Reinvestigation : Review all disputed items, including the documentation I am providing again as attachments.

2. Correct or Delete Inaccurate Information : Remove or correct all disputed items that are inaccurate, unverifiable, or incomplete.

3. Comply with FCRA Reinvestigation Procedures : Ensure compliance with reinsertion requirements and notify me of any changes made to my credit report. 

Please find attached documentation supporting my disputes. I request written confirmation of the resolution of these issues within the FCRA-mandated timeline of 30 days.

If Experian fails to address these issues, I may escalate this matter by filing complaints with the CFPB and the Federal Trade Commission. Thank you for your prompt attention to this matter. 

Sincerely, 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