Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Complaint Regarding Inaccurate Credit Reporting and Lack of Investigation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a series of inaccuracies in my credit report and the apparent lack of investigation conducted by the credit reporting agencies, despite having disputed these inaccuracies on four separate occasions. I am deeply concerned about the impact these errors are having on my creditworthiness and financial well-being. 

Here are the details of my complaint : 1. Account Disputes : On XXXX XXXX XXXX XXXX XXXX  I submitted disputes to the three major credit reporting agencies Experianregarding several accounts on my credit report that I believed to be inaccurate. I provided detailed information and evidence to support my claims of inaccuracies in these accounts. 

2. Lack of Investigation : Despite submitting these disputes, I have not received any indication that the credit reporting agencies conducted a thorough investigation into these matters. The accounts in question still reflect the inaccurate information, and there is no evidence on my credit report to suggest that the disputes were ever investigated. 

3. " Not Disputed '' Status : What is even more concerning is that the credit reporting agencies have marked these disputed accounts as " not disputed '' on my credit report. This is not only inaccurate but also misleading to potential creditors and lenders who review my credit report. It undermines my efforts to rectify these errors and protect my financial reputation. 

I have taken the necessary steps to dispute these inaccuracies responsibly, providing all required information and evidence to support my claims. However, the lack of response and the apparent failure of the credit reporting agencies to conduct a proper investigation have left me in a vulnerable financial position. 

I kindly request the Consumer Financial Protection Bureau 's assistance in addressing this matter. Specifically, I am seeking the following actions : 1. Initiation of a Thorough Investigation : I request that the credit reporting agencies conduct a comprehensive investigation into the disputed accounts to verify their accuracy. This should include a review of the evidence I provided during my dispute submissions. 

2. Correction of Credit Report : If the disputed accounts are found to be inaccurate, I request that the credit reporting agencies promptly correct my credit report to accurately reflect my financial history. 

3. Transparency and Accountability : I urge the Consumer Financial Protection Bureau to monitor and ensure that the credit reporting agencies follow the appropriate procedures and provide evidence of investigations for future disputes. 

I understand the importance of accurate credit reporting in maintaining my financial well-being and accessing credit on fair terms. Your intervention in this matter would greatly assist me in resolving these issues and restoring the integrity of my credit report. 

Please find enclosed copies of the dispute letters and supporting documentation submitted to the credit reporting agencies on the mentioned dates. 

Thank you for your prompt attention to this matter. I look forward to your assistance in rectifying these inaccuracies and ensuring fair and accurate credit reporting practices.

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