Consumer complaint received 2024-09-06 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Request for Investigation Details this is a complaint against Experian previous investigation Account Number : [ XXXX ] Creditor Name : XXXX XXXX Dear Experian, I am writing to formally dispute the inaccurate information being reported on my credit report by XXXX XXXX. I submitted a dispute through the Consumer Financial Protection Bureau ( CFPB ) Submitted on XX/XX/2024, and received notification on XX/XX/2024, that Experian had completed the investigation. 
I am concerned about the thoroughness and accuracy of this investigation, given that it was completed in only XXXX days. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, Experian is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute. 

I am holding Experian accountable for not conducting a proper investigation and for continuing to report inaccurate late payments and an inaccurate loan balance, despite the proof I provided with my previous dispute. Experian did not use my information to conduct a proper investigation. I demand that Experian remove this inaccurate and inconsistent account from my credit report immediately. 

I request that Experian provide a detailed explanation of how this investigation was conducted, including : The specific steps taken during the investigation. 
The entities or individuals Experian contacted as part of the investigation. 
The criteria used to determine the accuracy of the information reported by XXXX XXXX. 
How Experian was able to complete this investigation in such a short time frame. 
Despite the completion of this investigation, XXXX XXXX is still reporting an inaccurate balance and inaccurate late payments on my account. This continued reporting of incorrect information is causing significant harm to my credit score and financial well-being.

By law, I am also requesting a statement of dispute to be included in my credit file, as per 15 U.S. Code 1681i ( b ), which mandates that a consumer reporting agency must include a statement of dispute in the consumers file if the reinvestigation does not resolve the dispute. The statement of dispute should read as follows : This account is currently under dispute due to inaccurate reporting of the loan balance and late payments. The consumer has provided proof to Experian, which was not properly considered during the investigation. The consumer demands the removal of this inaccurate and inconsistent account from their credit report. 

If Experian refuses to add a statement of dispute or remove the inaccurate account, I will seek legal action against Experian. 

I urge Experian to re-investigate this matter thoroughly and ensure that all inaccurate information is corrected or removed from my credit report. Please provide me with a written response detailing the actions taken to address this dispute. 

Thank you for your prompt attention to this matter.

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