Consumer complaint received 2025-01-17 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: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report as maintained by Experian. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit file, and Experian is obligated to conduct a reasonable reinvestigation of disputed items. My experience reflects concerns similar to those highlighted in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian ( Case No. XXXX ), which detailed systemic issues in dispute handling and reinvestigation practices. 

Disputed Information : I willed attached all disputed items to a separate letter and details Discrepancy : My accounts are inaccurate and violate my consumer rights. I have requested 1099-C for all Charge offs stating the debt is writing off and never received any.

Supporting Documentation : I have attached the following documents to substantiate my dispute : Copies of past disputes without proper investigations.

Request for Action : Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I request that Experian : 1. Conduct a reasonable reinvestigation of the disputed items.

2. Forward all relevant information, including my supporting documentation, to the furnishers of the disputed information.

3. Modify, delete, or correct any information found to be inaccurate or unverifiable.

4. Provide me with written notice of the reinvestigation results, including a summary of any actions taken.

Concerns Related to CFPB Allegations : The CFPBs complaint outlines failures by Experian to adequately address consumer disputes, including : *Failure to forward all relevant information to furnishers.

*Reliance on inaccurate or incomplete responses from furnishers.

*Failure to provide consumers with clear and accurate reinvestigation results.

*Allowing inaccurate information to persist in consumer reports.

My situation mirrors these allegations. I urge Experian to ensure compliance with its legal obligations by addressing my dispute thoroughly and transparently.

Notification of Legal Rights : I remind Experian that the FCRA requires : *Completion of a reinvestigation within 30 days of receiving my dispute.

*Written notice of the reinvestigation results within five business days of its completion.

*Prevention of reinsertion of deleted information unless the furnisher certifies its accuracy and completeness.

Failure to meet these obligations may result in further action, including the filing of complaints with the CFPB or pursuing legal remedies.

Please respond promptly and confirm receipt of this dispute within five business days. I expect resolution within the legally mandated time frame. 

Sincerely, XXXX XXXX Enclosures : * Copy of Credit Report with Disputed items Highlighted Items Highlighted : * Supporting Documentation This letter directly incorporates the issues identified in the CFPB lawsuit and reference your rights under FCRA o demand compliance and corrections.

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