Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
Heres a formal dispute letter you can submit to the Consumer Financial Protection Bureau ( CFPB ) regarding Experian, Equifax, and TransUnions failure to properly investigate your dispute with XXXX XXXX 

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute Regarding Credit Bureaus Failure to Investigate Fraudulent Account To Whom It May Concern, I am submitting this formal complaint regarding Experian, Equifax, and TransUnions failure to conduct a reasonable and thorough investigation into a fraudulent account reported by XXXX XXXX  on my credit report. 

I previously disputed this account with all three credit bureaus, providing detailed information and evidence that the reported debt is fraudulent. However, instead of conducting a proper investigation, the bureaus have continued to allow XXXX XXXX to report inaccurate and damaging information. 

Details of the Dispute : Creditor Name : XXXX XXXX Account Number ( Last 4 Digits ) : XXXX Date of First Dispute : XX/XX/2024 Nature of Dispute : Fraudulent charge-off for a vehicle that was never repossessed, rebuilt, or resold with my consent. 
Supporting Evidence Provided : [ List documents you submitted, such as police reports, correspondence with XXXX XXXX, proof of fraud, etc. ] Despite my formal disputes, the credit bureaus have failed to verify the legitimacy of the debt and continue to allow XXXX XXXX to report this account as accurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), which requires credit bureaus to conduct a reasonable investigation when a consumer disputes information on their credit report. 

Additionally, this account is the subject of ongoing litigation due to fraudulent activity, further demonstrating the necessity of removing this inaccurate reporting until the legal matter is resolved. 

Requested Resolution : I demand that Experian, Equifax, and TransUnion immediately remove this fraudulent account from my credit report.

I request written confirmation of the investigation results and an explanation of the evidence they relied upon to verify this debt. 
If the credit bureaus continue to allow this inaccurate reporting, I will consider legal action under the FCRA and pursue damages for willful noncompliance. 

This matter has severely impacted my credit and financial well-being. If no corrective action is taken, I will escalate my complaint with the Federal Trade Commission ( FTC ) and consider filing a lawsuit against all responsible parties. 

Please respond to this complaint in writing within the 30-day period required by law. I appreciate your prompt attention to this matter.

Sincerely, 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