Consumer complaint received 2025-02-19 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:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for his failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB includes : Conducting inadequate investigation that fails to address consumer disputes properly. Reinserting previously disputed inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusions of inaccurate information on credit reports. I am deeply concerned that my disputes may be handled in a similar manner. 

Please review the inaccurate information being reported : 1. I was never late on this accountXX/XX/XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 2. I was never late on this account XX/XX/XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 3. Validate account XXXX XXXX XXXX Account Number : XXXX Please remove from my credit report. 

4. Unauthorized Inquiry XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Please delete from my credit report. 

5. UPDATE MY PERSONAL INFORMATION. 
NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Please delete all other names, old address, phone numbers, emails, employers, and social security number off my credit profile.

Under the FCRA, you are required to : Conduct a proper investigation into my dispute, inform me of the results of your investigation in a clear and comprehensible manner. Provide me with any documents you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you failed to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies.

Thank you for addressing this matter promptly I look forward to your response within the legal mandated 30 day timeframe.

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