Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10679645

Complaint Overview

Complaint ID: 10679645

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Virginia

ZIP Code: 22192

Date Received: 2024-11-03T12:00:00-05:00

Date Sent to Company: 2024-11-03T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Re : Formal Complaint Against Experian for Repeated Stall Tactics in Response to Credit Report Dispute To whom it may concern, I am filing this formal complaint against Experian due to their repeated stall tactics and apparent unwillingness to address a legitimate dispute I submitted regarding inaccuracies on my credit report. Experians actions have created unnecessary stress and hardship, as they have consistently delayed investigating my dispute despite multiple submissions that follow all required protocols. Background : On XX/XX/year>, I mailed a dispute to Experian to address specific inaccuracies on my credit report. To ensure it was properly received and processed, I sent the dispute via certified mail and included : A detailed explanation of the disputed information A copy of my identification Proof of my current address According to the USPS tracking number XXXX, Experian received this dispute package on XX/XX/year>, at XXXXXXXX XXXX in XXXX, TX. Despite this, I received a stall letter from Experian suggesting that my dispute may not have been initiated directly by me or may lack the necessary authorization. This is simply untrue, as I personally submitted the dispute, provided proof of identity, and took additional steps to confirm receipt. Pattern of Stall Tactics : This is not the first time I have encountered such tactics from Experian. Every time I submit a disputeeven with certified mail and proof of identityExperians response has been to question the legitimacy of my submission rather than address the issues I have raised. It appears Experian is deliberately avoiding its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a fair and timely investigation, as is required for any consumer dispute. Requested Resolution : I am requesting that the CFPB investigate Experians repeated use of stall tactics in response to valid consumer disputes. Experian 's actions directly hinder my right to an accurate credit report and violate the spirit of the FCRA, which is designed to protect consumers from such practices. Enclosed with this complaint, I have included : A copy of my original dispute letter A copy of my identification and proof of address Proof of delivery confirmation from USPS, verifying that Experian received my dispute package on XX/XX/year> Final Request : Please assist in ensuring Experian is held accountable for their failure to properly address my dispute. I expect Experian to cease their delay tactics and comply with FCRA-mandated procedures for reinvestigating disputed items in a timely manner. Experian 's disregard for my rights has caused undue stress, and I believe this matter deserves immediate attention from the CFPB. Thank you for your assistance in this matter. I look forward to your guidance and support in holding Experian accountable for their repeated failures. Sincerely, XXXX XXXX XXXX

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