Consumer complaint received 2025-02-03 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:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Reinvestigation of Inaccurate Information on My Credit Report Dear CFPB Team, I am writing to formally dispute the accuracy of information reported on my credit report by Experian and XXXX, specifically regarding charged-off/closed accounts with the following institutions : XXXX XXXX XXXX  Account Number : XXXX Possible Finance Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX These accounts are carrying inaccurate balances and negatively affecting my credit profile. I believe that these inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, particularly 15 U.S.C. 1681, credit reporting agencies are required to " follow reasonable procedures to assure maximum possible accuracy '' of the information being reported. Likewise, the FDCPA mandates that debt collectors provide accurate information regarding debts and conduct themselves in a way that is not misleading to consumers. The failure to accurately report the status and balance of these accounts constitutes a violation of these laws.

Additionally, I assert that proper disclosures required to validate these debts have not been provided to me. The FDCPA requires that debt collectors send consumers written notifications that accurately detail the nature of the debt, including the amount owed and the creditor 's name. Without this information, I am unable to validate the legitimacy of the debts in question. 

Furthermore, I would like to refer to the current lawsuits against Experian regarding their failure to investigate disputes appropriately submitted by consumers. This has raised significant concerns about their compliance with regulatory standards, and as a consumer, I deserve accurate information regarding my credit report. 

Additionally, I am a victim of the data breach involving XXXX and have been adversely affected by the mismanagement of sensitive information. The protection of consumer data is paramount, and the inaccuracies on my credit report further exacerbate this issue. 

In light of these concerns, I respectfully request that you : Conduct a thorough reinvestigation of the charged-off accounts listed above and correct any inaccuracies. 

Provide me with the necessary disclosures that confirm the validity of the debts involved. 
Inform me of the findings of your reinvestigation within the 15-day timeframe stipulated by the FCRA. 

I appreciate your immediate attention to this matter. Ensuring accurate reporting is vital to maintaining the integrity of consumer credit, and I trust that my concerns will be addressed with the seriousness they deserve. 

Thank you for your assistance. 

Sincerely,

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