Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXI am writing to formally complain against Experians refusal to conduct a reasonable investigation into my dispute letter mailed on XXXX XXXX XXXX, via USPS Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX as required by the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i. Experians response dated XXXX XXXX XXXX, claiming that the request did not appear to come from me or an authorized third party, is unacceptable and violates my consumer rights. I included all required documentationgovernment-issued ID, Social Security card, and proof of addressdemonstrating that the dispute was submitted directly by me, the consumer. Experians refusal to investigate constitutes a clear violation of the FCRA, which mandates a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their credit file.XXXXMy dispute letter addressed the following inaccuracies on my Experian credit report:XXXXInaccurate Negative Information: My credit report contains negative information reported with discrepancies that have not been properly verified. These items misrepresent my creditworthiness and must be investigated and removed the following accounts:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDismissed Bankruptcy (Reference Number: XXXXXXXXIssue: The bankruptcy entry lists the court name as US BKPT CT XXXX XXXX XXXX, which is not a recognizable court name. The case number appears incorrect, the liability amount is UNKNOWN, the remarks field is empty, and this entry may be a duplicate of Bankruptcy Reference Number XXXXDemand: Investigate the accuracy and completeness of this bankruptcy reporting and remove it permanently from my credit report.\nDismissed Bankruptcy (Reference Number: XXXXIssue: Similarly, this bankruptcy entry lists the court name as US BKPT CT XXXX XXXX XXXX with an incorrect case number, UNKNOWN liability amount, an empty remarks field, and potential duplication with Bankruptcy Reference Number XXXXDemand: Investigate the accuracy and completeness of this bankruptcy reporting and remove it permanently from my credit report.\nIncorrect Personal Information: My credit report contains inaccurate personal information that I requested be corrected. This information was included in my dispute with supporting documentation and must be updated to reflect accurate details.\nUnder FCRA  1681i(a)(1), Experian is obligated to conduct a reasonable reinvestigation of disputed items within 30 days of receiving a consumers dispute. My dispute letter, sent via certified mail on XXXX XXXX XXXX included all necessary documentation to verify my identity and support my claims. Your response on XXXX XXXX XXXX, dismissing my dispute without investigation, violates this statutory requirement. Furthermore, the Consumer Financial Protection Bureaus recent lawsuit against Experian (CFPB Sues Experian for Sham Investigations of Credit Report Errors, https://www.consumerfinance.gov/about-us/newsroom/cfpb-sues-experian-for-sham-investigations-of-credit-report-errors/) highlights your pattern of failing to conduct proper investigations, reinforcing that your handling of my dispute is inadequate and unlawful.'

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