Consumer complaint received 2025-02-02 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:
Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law.

I am writing to formally dispute information/accounts on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S. C 1682 ( i ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C 1681i ( a ) ( 1 ) ( A ), Experian is required to cconduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15U.S.C 1681i ( a ) ( 5 ), any information found to be accurate, incomplete or unverifiable must be promptly deleted. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : Conduct a thorough reinvestigation of the following disputed accounts listed below Affirm ( ALL 4 Accounts were disputed and results said ( verified ) but, the Inquiries were deleted ( DELETE IT ALL ) XXXX. XXXX XXXX - XX/XX/year> ( XXXX ) XXXX ( XXXX ) - DELETE ACCOUNT XXXX. XXXX XXXX XXXX - ( XX/XX/year> ( XXXX ) XX/XX/year> ( XXXX ) - DELETE ACCOUNT XXXXXX/XX/XXXXXXXX XXXX have no knowledge of This Collection Agency, I never signed an agreement with this company nor received any goods or services with this company. I am Requesting a Debt Validation- ( 1 ) Original Contract with my wet signature on it ( 2 ) Purchase Agreement ( 3 ) Rights to Collect in the state of Alabama ( 4. ) Chain of Assignment ( 5 ) Securitization ( 6 ). Bill of Sale ( DELETE ) XXXX. XX/XX/XXXX- XX/XX/year> has ND, and XX/XX/year> has ND ( DELETE ) XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) -DELETE XXXX. XXXX XXXX has XXXX DELETE XXXX. XX/XX/XXXX has ND XXXXXX/XX/XXXXXXXX - 15 U.S.C 1681i ( a ) and 15 U.S.C 1666 ( b ) Timing of Payment- 15 U.S.C 1681 Section 602 and 604 ( a ) XXXX. XXXX XXXX XXXX - 15 U.S.C 1681 ( a ) and 15 U.S.C 1666 ( b ) Timing of Payment- 15 U.S.C 1681 section 602 and 604 ( a ) Provide me with all documentation used to verify the accuracy of the disputed information. 
Delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
Comply with your obligations under the FCRA Law.

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