Consumer complaint received 2024-12-09 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Experian and Credit Reporting Violations To Whom It May Concern, I am writing to file a formal complaint regarding multiple violations of federal law by Experian in relation to my credit report. Below, I provide detailed information about these issues and request your assistance in resolving them. 
Summary of Events 1. Review of Credit Report : Earlier this year I reviewed my credit report and identified incomplete and inaccurate information. 
2. Request for Investigation : On XX/XX/year>, I sent a letter to Experian requesting an investigation into the completeness and accuracy of the report. 
3. XXXX XX/XX/XXXX, I sent off a letter to Experian disputing its Metro 2 Compliance. This letter included clear evidence of the inaccurate information as well. 
4. Unresolved Inaccuracies : The results of Experians investigation failed to resolve the inaccuracies, which constitutes a violation of their legal obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of Federal LawExperians actions ( or lack thereof ) have resulted in the following violations of the FCRA : 1. Failure to Assure Accuracy ( 15 U.S.C. 1681e ( b ) ) : * Experian did not follow reasonable procedures to assure maximum possible accuracy of the information on my credit report.

2. Failure to Provide a Description of Reinvestigation Procedures ( 15 U.S.C. 1681i ( 7 ) ) : * After requesting a description of their reinvestigation procedures, Experian failed to provide the required information within 15 days of my request.

3. Failure to Address Unverifiable Information ( 15 U.S.C. 1681i ( 5 ) ) : * Experian did not promptly delete or modify items of information found to be inaccurate, incomplete, or unverifiable, nor did they notify the furnishers of the information as required by law.

4. Violations by Furnishers of Information ( 15 U.S.C. 1681s-2 ) : * Experian has allowed furnishers, such as XXXX XXXX  ( Account Number : XXXX ), XXXX XXXX  ( Account Number : XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX XXXX  ( Account Number : XXXX ), and XXXX XXXX XXXX ( Account Number : XXXX ), to report inaccurate information. Specifically : * 15 U.S.C. 1681s-2 ( 1 ) ( A ) : These furnishers reported information with actual knowledge of errors.

* 15 U.S.C. 1681s-2 ( 1 ) ( B ) : These furnishers continued reporting inaccurate information after being notified by me and failing to confirm its accuracy. 
Impact of Experians Non-ComplianceExperians failures have caused significant distress and have hindered my ability to maintain an accurate credit profile. Their lack of adherence to federal law suggests systemic issues that could affect many other consumers.

I have attached relevant documentation, including my correspondence with Experian and supporting evidence of these violations, for your review. Please let me know if additional information is required.

Thank you for your time and attention to this matter. I trust the CFPB will act to ensure Experians compliance with federal regulations and protect consumer rights. 
Sincerely, XXXX XXXX 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