Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been filing disputes with Experian for several years, and I am extremely dissatisfied with their handling of my credit reports. Despite my consistent efforts, Experian has repeatedly marked disputed items as " updated '' without making any real changes, leaving my credit information inaccurate and negatively impacting my financial well-being. 

I am a victim of identity theft and have been affected by multiple data breaches, which makes the accuracy of my credit report of utmost importance. It's concerning that Experian has attempted to sell me additional services for protection while failing to address the existing inaccuracies on my credit report. 

Recently, I submitted a dispute and provided the necessary identity theft report, as instructed by Experian 's email communication. However, Experian mishandled my dispute submission, causing significant frustration. On XX/XX/2023, I spent a grueling 11 hours on back-to-back calls with Experian, trying to resolve these issues.

Experian 's failure to thoroughly investigate my reports and their non-compliance with the Fair Credit Reporting Act ( FCRA ) have been detrimental to my credit. Their incorrect dispute submissions have led to the constant " updating '' of information multiple times a month, further harming my credit score. While some information has been removed, some remains " pending. '' Additionally, Experian has altered my personal information, including my name, despite having proof of my identity on file. They removed my middle name even middle initial even though my identity on my passport and license clearly shows my name. Updating false updates, duplicate accounts with false information. Experian is causing significant damage to my credit profile with constant updates which are not compliant and not accurate at all. I have maintained the same phone number for 11 years, which is connected to my T-Mobile account.

I provided all the necessary documentation to support my dispute, but Experian has not adhered to the FCRA 's requirement to block information within 4 business days of receiving the complaint of identity theft. This oversight is deeply concerning, especially considering my status as an identity theft victim.

According to the fair credit reporting act all disputed should be investigated and no longer than 30 days. Experian completed disputes and provided results within hours of dispute submitted which is not adequate time to complete an investigation and submit and receive information from the creditors, especially in an identity theft case. Experian is in violation of my rights as a consumer and in violation of the fair credit reporting act.

I am seeking a fair resolution to this situation in accordance with the Fair Credit Reporting Act, specifically Section 605b. I request that the Consumer Protection Bureau intervenes to ensure that Experian complies with the FCRA, rectifies the inaccuracies on my credit report, safeguards my identity, and provides transparent explanations for their actions. I am requesting that Experian now removed all listed items as they have contributed to multiple negative impacts by not properly complying with my rights as a consumer and the fair credit report act.

I have attached supporting documents, including proof of identity and identity theft reports, to substantiate my complaint as well as screenshots of Experian 's actions not in compliance with FCRA which show dates and times as well. I appreciate your attention to this matter and look forward to a prompt and just resolution. 

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