Product: Credit reporting or other personal consumer reports

Beginning on or about XX/XX/XXXX, Experian began reporting inaccurate information on my credit report, specifically related to a charge-off account with an incorrect balance from XXXX XXXX. I disputed this inaccurate information on multiple occasions, on or around the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX. 

Despite these disputes, Experian failed to conduct a proper investigation and continued to report the inaccurate information on my credit report for approximately one year. I provided clear documentation of the incorrect reporting with each of my disputes, as well as evidence that Experian was notified of the inaccurate information by the creditor on the following dates : XX/XX/XXXX ( 30 days past ), XX/XX/XXXX ( 60 Days Past ), XX/XX/XXXX ( 90 Days Past ), XX/XX/XXXX ( 120 Days Past ), XX/XX/XXXX ( 150 Days Past ), and XX/XX/XXXX ( Charge-Off ). 

Experian failed to act in accordance with the Fair Credit Reporting Act ( FCRA ), which requires a reasonable investigation, and failed to make any timely corrections, despite multiple requests from me. The documentation that I provided clearly showed that their information was not accurate. 

I have now corrected the start date of the inaccurate reporting to XX/XX/XXXX. 

Here is the complete and final draft of the complaint, with that one specific change.

Final CFPB Complaint ( Against Experian ) : Subject : Complaint Regarding Experian 's Repeated Violations of the Fair Credit Reporting Act, Inadequate Investigation Practices, and Demand for Damages.

Introduction : I am writing to file a formal complaint against Experian regarding their repeated violations of the Fair Credit Reporting Act ( FCRA ). This complaint details Experians pattern of failing to properly investigate inaccurate information on my credit report, and their failure to remove such inaccurate information in a timely manner, which resulted in significant financial and emotional harm. This complaint is also to put the CFPB on notice of my demand for damages for their actions, and the lack of a clear response from Experian. 

History of Inaccurate Reporting and Disputes : Beginning on or about XX/XX/XXXX, Experian began reporting inaccurate information on my credit report, specifically related to a charge-off account with an incorrect balance from XXXX  XXXX. I disputed this inaccurate information on multiple occasions, on or around the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

Despite these disputes, Experian failed to conduct a proper investigation and continued to report the inaccurate information on my credit report for approximately one year. I provided clear documentation of the incorrect reporting with each of my disputes, as well as evidence that Experian was notified of the inaccurate information by the creditor on the following dates : XX/XX/XXXX ( 30 days past ), XX/XX/XXXX ( 60 Days Past ), XX/XX/XXXX ( 90 Days Past ), XX/XX/XXXX ( 120 Days Past ), XX/XX/XXXX ( 150 Days Past ), and XX/XX/XXXX ( Charge-Off ). 

Experian failed to act in accordance with the Fair Credit Reporting Act ( FCRA ), which requires a reasonable investigation, and failed to make any timely corrections, despite multiple requests from me. The documentation that I provided clearly showed that their information was not accurate. 

Impact of Inaccurate Reporting : The prolonged and inaccurate reporting had a significant negative impact on my mental and financial well-being. I experienced : Emotional distress, stress, anxiety, and sleep disturbance. 

Limitations on my ability to access credit and financial services. 

Limitations on my ability to obtain employment. 

Other financial losses. 

I am still experiencing the negative effects of these inaccuracies and am working to repair the damage they have done to my financial health and emotional state. These inaccuracies have limited my access to credit, my ability to maintain financial services, and my ability to obtain employment, and have caused me other financial losses. 

Demand for Damages : After approximately one year of submitting multiple disputes to Experian for inaccurate reporting, Experian finally corrected my credit report. 

Due to Experians repeated FCRA violations, their failure to investigate my disputes, and the resulting harm they caused me, I sent a combined notice of dispute and demand for monetary compensation via certified mail on XX/XX/XXXX, delivered to Experian at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. In this demand, I detailed the harm I suffered as a result of their failure to comply with the FCRA. 

Experian has not responded to my demand for compensation. 

Lack of Communication : Instead of a direct response to my demand for compensation, Experian provided me with a form statement on their website, accessed from a link sent to me by email, which did not address my demand for damages and lacked any mention of a financial claim. The form statement states " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '' and is not specific to any one of my previous disputes. 

In addition, the report number provided in the document was not recognizable, and did not match any of the report numbers on file. Experian also failed to contact me by email, which I specifically requested for all communications. When I attempted to follow up by calling the phone number provided by Experian, I was unable to speak to a live representative due to the barriers created by their AI assistant, which made it nearly impossible to reach a person or to discuss the status of my dispute and demand for damages. This practice has made it extremely difficult for me to understand the status of my claim, and creates a barrier between the company and their consumers. 

Summary of Claims : Experian has violated the FCRA by : Failing to conduct reasonable reinvestigations of my disputes. 

Failing to remove inaccurate information from my credit report in a timely fashion, and doing so only after multiple attempts on my part. 

Utilizing practices that make it difficult for consumers to have clear and direct communication about their concerns. 

Failing to respond to my disputes and their lack of a proper investigation demonstrates an unwillingness to adhere to the laws of the FCRA. 

Failing to acknowledge my demand for damages. 

Requested Action : I am requesting that the CFPB investigate Experians conduct, and take appropriate action to ensure their compliance with the FCRA and to ensure that my demand for damages is addressed. I would like a neutral third party to review my claim for financial compensation, and for Experian to be required to change its internal practices and processes to ensure that this type of non-compliance does not occur again.

Attachments : The following documents are attached to this complaint : Copy of the Experian statement accessed from the email link.

Copy of the certified mail receipt. 

Copy of my combined notice of dispute and demand for damages.