Consumer complaint received 2023-07-25
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dear Consumer Finance Protection Bureau, I am writing to file a formal complaint against Experian for their ongoing violation of the Fair Credit Reporting Act ( FCRA ) guidelines in handling my dispute regarding a specific account on my credit report. Despite my initial dispute letter sent on XX/XX/2023, the credit reporting bureaus have failed to adhere to the requirements outlined in the FCRA and continue to report the disputed account inaccurately. 
In accordance with the FCRA Section 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I had previously requested Experian to conduct a thorough investigation and remove below late payments from my credit report and to change status to PAYS AS AGREED. 

Dept EducationXXXXXXXX XXXX  : XXXX Balance : {$1700.00} Dept Education/XXXX XXXX : XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$22.00}, XXXXXXXX XXXX XXXX XXXX  : XXXX Balance : {$0.00} To my dismay, their response was to simply validate the alleged debt. This neglect demonstrates a lack of compliance with the FCRA and undermines my rights as a consumer to a fair and accurate credit reporting process. 
I have taken all necessary steps outlined by the FCRA to initiate a proper dispute, and yet, the credit reporting bureaus have not fulfilled their obligations under the law. Their failure to comply with the FCRA guidelines is evident, and I strongly believe that this constitutes a violation of my consumer rights. 
As a result of their non-compliance, the inaccurately reported account is causing significant harm to my creditworthiness and financial well-being. This situation has the potential to affect my ability to secure loans, obtain favorable interest rates, and negatively impacts my financial standing as a whole. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against XXXX. I urge the Bureau to enforce the FCRA guidelines rigorously to protect consumers like myself from unfair and inaccurate credit reporting practices. 
Enclosed with this letter are copies of my initial dispute letter, the credit reporting bureaus ' response ( or lack thereof ), and any other relevant documentation pertaining to this dispute. I trust that this information will be valuable in your investigation. 
I appreciate the Consumer Financial Protection Bureau 's dedication to safeguarding consumer rights and ensuring fair practices in the financial industry. I look forward to a resolution that upholds the principles of the FCRA and rectifies the inaccuracies on my credit report. 
Thank you for your attention to this matter. If you require any further information or clarification, please do not hesitate to contact me at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX : Copies of Initial Dispute Letter, my drivers license, Credit Reporting Bureau 's Response ( THERE IS NOT ONE )

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