Consumer complaint received 2025-01-20 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: AR

Complaint narrative:
Dear Experian Dispute Resolution Department, I am writing to formally notify you of violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) related to the handling of disputes and reinvestigations concerning inaccuracies on my credit report.

Specific Violations Identified : 1. Failure to Conduct Reasonable Reinvestigations : Experian has failed to conduct reasonable reinvestigations of disputes regarding inaccuracies in my credit file, as required by 15 U.S.C. 1681i ( a ). Despite providing supporting documentation for my disputes, Experian failed to fully address or resolve the inaccuracies.

2. Failure to Forward All Relevant Information : Your processes failed to ensure that relevant consumer-submitted documentation was transmitted to data furnishers during reinvestigations. This issue was highlighted in CFPBs January 2025 lawsuit and aligns with my experiences in disputing inaccurate tradelines on my credit report.

3. Over-reliance on Furnisher Responses : Experian regularly defers to furnishers responses even when presented with conflicting or illogical information, without further inquiry. My disputes, supported by evidence, were disregarded in favor of questionable responses from furnishers, in violation of reasonable reinvestigation standards.

4. Failure to Provide Clear Dispute Results : Your communications regarding dispute resolutions have been ambiguous and contradictory, failing to provide clear and accurate outcomes as mandated by 15
U.S.C. 1681i ( a ) ( 6 ).

Supporting Evidence : The declaration of XXXX XXXX, submitted in related litigation, demonstrates systemic failures in your reinvestigation process. Additionally, the CFPB complaint filed against Experian corroborates patterns of misconduct in handling consumer disputes, including failures to forward disputes within the required timeframe and inadequate verification processes.

Demands for Resolution : 1. Immediate Deletion : I demand that all disputed inaccuracies in my credit report be deleted for the accounts U S DEPT OF ED/XXXX : XXXX XXXX. U S DEPT OF ED/XXXX : XXXX XXXX. U S DEPT OF ED/XXXX : XXXX XXXX. U S DEPT OF EDXXXX : XXXX XXXX. U S DEPT OF EDXXXX : XXXX XXXX. U S DEPT OF EDXXXX : XXXX XXXX. U S DEPT OF EDXXXX : XXXX XXXX. U S DEPT OF EDXXXX : XXXX XXXX. U S DEPT OF EDXXXX : XXXX XXXX. U S DEPT OF EDXXXX : XXXX XXXX. U S DEPT OF EDXXXX : XXXX XXXX. U S DEPT OF EDXXXX : XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX : XXXX XXXX. U S DEPT OF EDXXXX : XXXX XXXX. U S DEPT OF EDXXXX : XXXX XXXX. U S DEPT OF EDXXXX : XXXX XXXX. U S DEPT OF ED/XXXX : XXXX XXXX. U S DEPT OF EDXXXX : XXXX XXXX. U S DEPT OF EDXXXX : XXXX XXXX. Written Explanation : Provide a detailed written explanation of the results of the reinvestigation, specifying what changes have been made, if any, and the basis for any findings against my dispute.

3. Adherence to FCRA Standards : Ensure compliance with FCRA-mandated timelines and procedures for handling consumer disputes, forwarding all relevant documentation, and maintaining accurate records.

4. Compensation for Damages : Due to the harm caused by Experians failure to comply with FCRA and CFPA obligations, I reserve the right to pursue compensation for damages, including legal remedies.

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