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: VA

Complaint narrative:
Heres a customized dispute letter to Experian, leveraging details from the CFPB lawsuit and referencing your concerns about inaccuracies on your credit report : XXXX XXXX [ XXXXXXXX XXXX XXXX XXXX  ] [ XXXX  XXXX, Va XXXX ] [ XX/XX/2025 ] Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccurate information contained in my credit report. Despite submitting disputes previously, the issues have not been properly addressed, and inaccurate information remains on my file. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and completeness of the information you report and to conduct a reasonable reinvestigation when a consumer disputes information. However, based on my experience and supported by the recent CFPB lawsuit against Experian ( XXXX XXXX. XXXX ), I am concerned that my disputes have been mishandled in the following ways : 1. Failure to Convey Relevant Information : It appears my disputes were not fully communicated to the furnishers, as critical supporting documentation I provided was ignored or omitted.

2. Over-Reliance on Furnishers Responses : Experians investigation results seem to rely entirely on the original furnishers responses, even when they conflict with the evidence I provided.

3. Inadequate Results Communication : Your dispute results are vague and fail to clarify whether disputed information was corrected, updated, or removed, leaving me without clarity on the status of my report. 

To facilitate a fair and thorough reinvestigation, I am providing the following information : Details of the disputed accounts : [ List account names, numbers, and issues, such as incorrect balances, status, or payment history ]. 
Supporting documents : [ Attach copies of relevant documents, such as payment records, correspondence with creditors, or identity theft reports ]. 

I request that you : Conduct a proper reinvestigation into the disputed items. 
Provide all relevant information Ive submitted to the furnishers as part of this process. 
Inform me clearly of the results, including whether the information was corrected, deleted, or verified as accurate. 

If this matter is not resolved promptly, I will escalate it by filing a complaint with the CFPB and other appropriate agencies. 

Thank you for your attention to this matter. I expect a written response within the 30-day timeframe specified by the FCRA. 

Sincerely, [ XXXX XXXX ] [ XXXX ] [ XXXX ] Feel free to personalize this letter further as needed. Ensure you keep copies of your correspondence and documentation. Let me know if youd like assistance refining any additional points!

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