Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Subject : Difficulty Obtaining Accurate Credit Report from XXXX, EXPERIAN & XXXX I hope this letter finds you well. I am writing to bring to your attention the persistent challenges I have faced in obtaining an accurate credit report from XXXX, EXPERIAN & XXXX. Despite numerous attempts to access my credit information, I have encountered significant obstacles and inaccuracies that have caused me great concern. 

As a responsible consumer, I understand the importance of monitoring and maintaining accurate credit records. However, my experience with XXXX, EXPERIAN XXXX XXXX has been far from satisfactory. I wish to highlight the following issues I have encountered : Incomplete Information : On multiple occasions, I have found that crucial credit data, such as loan accounts, credit card information, and payment history, are either missing or not updated in my credit report. 

Reporting Errors : The credit report provided by XXXX, EXPERIAN XXXX XXXX contains several errors, including incorrect account statuses, duplicated entries, and outdated information that has since been rectified with other credit bureaus. 

Difficulty in Disputing : When attempting to dispute the inaccuracies, I faced challenges in reaching a competent representative at XXXX, EXPERIAN & XXXX. The lack of proper channels for dispute resolution has further exacerbated my concerns. 

Delays in Processing : Despite requesting an expedited processing of my credit report, the response time from XXXX, EXPERIAN XXXX XXXX has been significantly delayed, causing undue stress and hindrance to my financial decisions. 

Inconsistent Scoring : The credit scores provided by XXXX, EXPERIAN XXXX XXXX do not align with those obtained from other reputable credit reporting agencies, raising doubts about the reliability and accuracy of your scoring model. 

As a conscientious consumer, I believe it is my right to access timely and accurate credit information from all three major credit bureaus, including XXXX, EXPERIAN XXXX XXXX. The discrepancies I have encountered have negatively impacted my financial decisions, leading to potential missed opportunities and unnecessary financial burdens. 

I kindly request that you conduct a thorough investigation into the issues I have raised and take the necessary steps to rectify the inaccuracies in my credit report. Specifically, I request the following actions : Provide a Detailed Credit Report : I expect a comprehensive and up-to-date credit report that includes all relevant account information and payment history. 

Correct Inaccurate Data : Please promptly correct any errors, inconsistencies, or outdated information found in my credit report. 

Improve Dispute Resolution Process : Implement a more accessible and efficient dispute resolution process, ensuring that consumers like myself can address inaccuracies and disputes with ease. 

Timely Response : I request that XXXX, EXPERIAN & XXXX responds to credit report inquiries and disputes within the legally mandated timeframes. 

It is crucial to acknowledge that accurate credit reporting plays a vital role in financial decision-making, and I am committed to maintaining a positive credit profile. As such, I urge you to take immediate action to address the aforementioned concerns. 

I look forward to your prompt response and resolution of these issues. Failure to address these concerns adequately may leave me with no option but to explore further actions to protect my consumer rights. 

Thank you for your attention to this matter. I expect a timely and satisfactory resolution from XXXX, EXPERIAN & XXXX. 

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