Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: CA
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:
I am writing to express my deep concern and frustration regarding the ongoing dispute I have had with Experian Credit agency in relation to the accuracy of my credit report and credit score. Despite my repeated attempts to resolve this matter, I have been unable to obtain a credit report that reflects accurate and up-to-date information.

I first initiated a dispute with your Experian Credit agency back in XXXX and with the CFPB in XXXX regarding certain items on my credit report that I believe to be inaccurate. As a responsible consumer, I understand the importance of maintaining an accurate credit history and strive to ensure that my credit report reflects my true financial standing. However, despite providing detailed documentation and evidence to support my claims, I have not received a satisfactory resolution from your Experian Credit agency nor CFPB.

To date, Experian Credit agency investigation into the disputed items has been inadequate and has failed to address the fundamental issues I have raised. The inaccuracies on my credit report have had a detrimental impact on my financial well-being, as they have resulted in the denial of credit applications and higher interest rates on approved loans. This situation has caused significant distress and frustration for me, and I am left with no choice but to escalate this matter further. 

I kindly request that you take immediate action to rectify the inaccuracies on my credit report. Specifically, I ask that you conduct a thorough and comprehensive investigation into the disputed items and ensure that any inaccurate information is promptly removed or corrected. I also expect a written explanation of the investigation process and the steps taken by CFPB to address my concerns. 

Moreover, I demand that Experian Credit agency provide me with an updated credit report and credit score that accurately reflects my current financial situation. I emphasize the urgency of this matter, as my ability to obtain credit, secure favorable interest rates, and make important financial decisions is being severely hindered by the inaccurate information on my credit report.

In addition to rectifying the errors on my credit report, I would appreciate a written confirmation from your agency that the necessary changes have been made and that my credit report now accurately represents my creditworthiness. This confirmation should be sent to me within 30 days of the receipt of this complaint. 

Finally, I would like to remind you of your obligations under the Fair Credit Reporting Act ( FCRA ), which stipulates that credit reporting agencies must conduct a reasonable investigation into any disputed information and ensure the accuracy of the reports they provide. I trust that you will uphold your legal obligations and work diligently to resolve this matter to my satisfaction. 

I anticipate your immediate attention to this issue and a prompt resolution to the inaccuracies on my credit report. I hope that we can resolve this matter amicably and avoid any further escalation of the situation. However, please be advised that I am prepared to take all necessary legal actions to protect my rights and interests if a satisfactory resolution is not reached. 

I am informed by the Experian Credit agency dispute department representative that it is being fix the understand the problem and still nothing has truly been resolved. I have submitted documentation on numerous occasions via uploading to portal, via certified mail and proof of certificate of mailing. I have been informed that all documentation has been received however no resolution to my dispute. My personal credit report is being crossed with a name that I have never used and need it removed from my credit report. Incorrect information on my report Please refer to the two credit report numbers with different names but all my information report as of XX/XX/2023 and report XXXX ( wrong name, which creditors believe is fraud, incorrectly shows no credit history ). Creditors run my report and it states I have no credit score when in fact I have a credit score of XXXX when last checked. I was informed by the dispute department that I needed to contact my creditors and inform them as to their reporting to the credit reporting agency. I have done this with all my 14 creditors and was informed by each creditor of them they are reporting my name exactly how it need to be. This has been a very frustrating experience has hurt me in regard to making some financial changes. this is the only credit reporting agency that I have this problem with.

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