Consumer complaint received 2025-01-31 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: RI

Complaint narrative:
Subject : Formal Dispute of Inaccurate Accounts Under FCRA Violations https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-experian-for-sha m-investigations-of-credit-report-errors/ Dear Experian Dispute Department, I am writing to formally dispute the accuracy of multiple accounts on my credit report. I was a victim of the Experian Data Breach, and my personal information was compromised, leading to fraudulent accounts and reporting errors. 
Furthermore, I have been directly affected by the violations outlined in the recent CFPB lawsuit against Experian regarding improper dispute handling, reinsertion of deleted information, and failure to ensure accurate reporting and I demand their immediate removal. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is legally required to conduct a thorough and reasonable investigation of disputed information. 
However, based on the lawsuits findings, it is clear that Experian has : Failed to properly investigate disputes ( 15 U.S.C. 1681i ( a ) ) Failed to notify consumers of investigation results ( 15 U.S.C.

1681i ( a ) ( 6 ) ) Reinserted previously deleted inaccurate information ( 15 U.S.C.

1681i ( a ) ( 5 ) ( B ) ) Failed to ensure maximum possible accuracy of consumer reports ( 15 U.S.C. 1681e ( b ) ) I demand that Experian immediately investigate and remove the following accounts, as they are inaccurate and affected by the lawsuit : Creditor Name/ Account Number/ Balance/ Date Opened XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX / {$0.00} XXXX XX/XX/XXXX XXXX XXXX / XXXX / {$0.00} XXXX XX/XX/XXXX XXXX / XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX $ XXXX XX/XX/XXXX Experian, I am a victim of your malpractices-the same unlawful practices that led to your lawsuit. I demand that you remove these accounts immediately and correct my credit report without delay. 

Per FCRA regulations, you are required to complete this investigation within 30 days and provide me with a written response detailing the actions taken. If you fail to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ), you are required to provide me with a detailed explanation of your findings, including whether any items have been corrected or removed. If any of these accounts are verified, I demand that you provide clear and documented proof of their legitimacy. 

Please respond in writing to the address provided above. If Experian continues to violate FCRA regulations, I reserve the right to seek legal action. 

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