Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  texas XXXX XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, PA XXXX Dear XXXX and experian Dispute Department, Re : Dispute of Inconsistent Account Reporting and Failure to Properly Investigate I am writing to dispute the inconsistent reporting of an account on my credit report, as well as the failure of Experian and XXXX to properly investigate this account. Specifically : - Account Name : XXXX XXXX This account was previously disputed with XXXX, and they subsequently removed it from my credit report. However, despite my efforts to dispute the account with Experian and XXXX, it still remains on my credit reports with these bureaus. 

I am extremely disappointed in the lack of attention and care taken by Experian and XXXX in investigating this disputed account. As a consumer reporting agency, it is your responsibility to ensure the accuracy and completeness of the information reported on my credit report. 

I request that Experian and XXXX take the following 1. Delete the disputed account from my credit report. 
2. Update my credit report to reflect the same information as my XXXX credit report. 
3. Conduct a thorough investigation into the disputed account and provide me with the results. 

Furthermore, I request that Experian and XXXX take steps to ensure that their dispute investigation processes are improved to prevent similar errors in the future. 

I have attached a copy of my XXXX credit report, which shows that the account has been removed, as well as a copy of my Experian and XXXX credit reports, which still list the disputed account. 



Also, I am upset with your failure to provide a thorough investigation on this from previous complaints. 


As required by the Fair Credit Reporting Act ( FCRA ), I provided sufficient documentation and evidence to support my dispute. However, your agency failed to conduct a reasonable investigation and remove the disputed item from my credit report. 

The FCRA requires credit bureaus to : 1. Conduct a reasonable investigation of the disputed item ( s ). 
2. Remove the disputed item ( s ) if the investigation finds them to be inaccurate or unverifiable. 

Your agency 's failure to comply with these requirements has caused me significant harm, including damage to my credit report and financial losses job loss and inability to live a normal life. 

I urge you to take immediate action to correct this situation. I request that you : 1. Conduct a thorough investigation of the disputed item ( s ). 
2. Remove the disputed item ( s ) from my credit report. 
3. Provide me with a corrected copy of my credit report. 


I would appreciate a prompt response regarding the actions you will take to resolve this matter. If I do not receive a satisfactory response within 30 days, I will be forced to explore further action, and seeking legal counsel. 

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