Consumer complaint received 2025-03-14 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC, XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX Subject : **Dispute Regarding Civil Liability for Negligence and Non-Compliance under FCRA 1681O** To Whom it May Concern, I hope this letter finds you well. I am writing to formally dispute certain actions and to notify you of a matter of civil liability for negligence and non-compliance under Section 1681O of the **Fair Credit Reporting Act ( FCRA ) **, regarding your failure to comply with the required regulations for handling consumer information. 

Specifically, I believe that your company has violated the FCRA in the following ways : 1. **Negligence in Investigating Discrepancies** Despite my previous attempts to notify you of inaccuracies in the information reported on my consumer report, there has been no prompt investigation or resolution, violating the guidelines established under FCRA Section 1681i . This constitutes negligence in failing to perform a reasonable investigation as required by law. 

2. **Failure to Provide Adequate Notifications** As per the regulations under FCRA, I am entitled to receive a notice of the results of any investigation into disputed information. To date, I have not received any formal communication indicating that an investigation was conducted, nor have I received any updates on the status of my dispute.

3. **Non-Compliance with Reporting Requirements** Under FCRA Section 1681O, your company is obligated to ensure compliance with consumer protection standards when managing and reporting consumer information. The failure to address and correct the disputed data could be viewed as a violation of these statutory obligations, exposing your company to liability for any damages that I may have incurred as a result of such non-compliance. 

Given these violations, I request that you : - Promptly initiate a thorough investigation of the disputed information in accordance with FCRA guidelines. 
- Provide me with a written response detailing the results of the investigation within the statutory timeframe. 
- Correct any inaccuracies in my consumer report as soon as possible. 
- Cease any further negligence or non-compliance to prevent further potential legal liabilities. 

Below are the accounts in dispute : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please take this matter seriously, as failure to comply with the statutory requirements may expose your company to civil liability for damages under Section 1681O of the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your prompt and thorough response. 

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