Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX : CFPB Subject : Complaint against XXXX, Experian, and XXXX for Violation of Consumer Rights Dear Sir/Madam, I am writing to file a formal complaint against XXXX, Experian, and XXXX for their continuous violation of my consumer rights by reporting negative information on my credit report. Despite my previous attempts to dispute inaccuracies and discrepancies, none of the credit reporting agencies have honored my disputes or provided me with the appropriate method of verification to validate the debts being reported. 
Account Details : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX I have made multiple efforts to rectify and correct the inaccuracies in my credit report. I have disputed these accounts with each credit bureau, but my disputes have gone unresolved. Additionally, I have requested a method of verification from each credit bureau to confirm the legitimacy of the reported debts, but I have not received any response or documentation supporting their claims. 
The Fair Credit Reporting Act ( FCRA ) clearly outlines the responsibilities of credit reporting agencies to ensure the accuracy and fairness of consumer credit reports. By failing to honor my disputes and provide the requested method of verification, XXXX, Experian, and XXXX are in direct violation of the FCRA, thereby causing substantial damage to my financial well-being. 
As a result of their negligent actions, I have been experiencing significant financial hardship, which has led to various difficulties in obtaining loans, securing housing, and even finding employment. Therefore, I am seeking monetary damages for each FCRA violation. I request {$1000.00} for each of the following violations : Failure to properly investigate and correct inaccuracies after receiving a dispute for the XXXX XXXXXXXX account. 
Failure to properly investigate and correct inaccuracies after receiving a dispute for the XXXX XXXX account. 
Failure to properly investigate and correct inaccuracies after receiving a dispute for the XXXX XXXX account. 
Failure to properly investigate and correct inaccuracies after receiving a dispute for the XXXX XXXX XXXX account. 
Failure to properly investigate and correct inaccuracies after receiving a dispute for the XXXX XXXX XXXX account. 
Failure to properly investigate and correct inaccuracies after receiving a dispute for the XXXX XXXX account. 
I am seeking a total compensation of {$6000.00} for the XXXX FCRA violations mentioned above. 
I have attached copies of my previous dispute letters and proof of delivery for your reference. I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and ensures that XXXX, Experian, and XXXX comply with their obligations under the FCRA. 
I appreciate your prompt attention to this matter and hope for a swift resolution to rectify the damages caused by the credit reporting agencies ' misconduct. Please feel free to contact me if any additional information is required. 
Thank you for your time and assistance. 
Sincerely, 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