Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Subject : Complaint against Experian for Failure to Correctly Verify False Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for their failure to appropriately verify false information on my credit report. I have previously disputed this information directly with Experian ; however, their investigation and response were insufficient. Therefore, I am seeking your assistance by filing this complaint with your bureau. 

The inaccurate information on my credit report pertains to [ describe the specific inaccurate information in detail ]. Despite my repeated attempts to dispute and rectify this false information with Experian, they have failed to conduct a thorough investigation or take appropriate action. As a result, this misinformation continues to adversely affect my creditworthiness and financial standing. 

I have provided Experian with all the necessary supporting documentation and evidence to substantiate my claim that the reported information is false XX/XX/XXXX. However, they have neglected their responsibility to ensure the accuracy and integrity of the information they report. 

I firmly believe that Experian 's lack of due diligence and failure to conduct a proper investigation and verification of the false information is a direct violation of the Fair Credit Reporting Act ( FCRA ). Moreover, their actions have caused significant harm and inconvenience to me. Despite my persistent efforts, Experian has failed to address this matter satisfactorily. XX/XX/XXXX Therefore, I kindly request that the Consumer Financial Protection Bureau intervene in this dispute and take appropriate action against Experian to rectify the situation. I am seeking a thorough investigation into Experian 's handling of my dispute and their failure to correct the false information on my credit report. XX/XX/XXXX Enclosed with this complaint, you will find copies of all relevant correspondence, documentation, and evidence of my attempts to resolve this matter with Experian. I believe that a comprehensive review of these materials will highlight Experian 's non-compliance and negligence in their obligations under the FCRA. 

I sincerely appreciate your attention to this complaint and your efforts to ensure that Experian fulfills their responsibilities as a credit reporting agency. I kindly request your assistance in rectifying this situation and restoring the accuracy of my credit report. 

Please do not hesitate to contact me if you require any further information or documentation to facilitate your investigation. I look forward to your prompt response and resolution to this matter. 

Thank you for your time and consideration

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