Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Re : Experians failure to correct inaccuracies on credit report. 

To whom it may concern. 

I am writing regarding Experians failure to investigate an erroneous account that is reporting on my credit report. 

My initial contact with XXXX was on XX/XX/XXXX after reviewing my credit report, I noticed several accounts that were reporting inaccurately and requested that the accounts be removed. I received a notice from Experian to check my results online when I asked for a copy of my credit report to be mailed to me. Upon looking online, it says that it was currently unavailable online and that a letter would be mailed to me, and I never did. 

On XX/XX/XXXX, I sent another letter to Experian asking them to please reinvestigate the accounts because after thoroughly reviewing it the information was still inaccurate. On XX/XX/XXXX, I received a notification via email again from Experian to check for my results online. Upon looking, it states that the accounts remained as accurate. They completed ignored my letter as I never received a response Due to the new law about medical debt, two of the accounts were automatically removed from my report. 

On XX/XX/XXXX, I sent another letter to Experian asking them how they verified this information as accurate. However, they have completely ignored me. Ive contacted the Collection Agency on several occasions, and they have never been able to validate the alleged about per the FDCPA. I even sent a letter to the creditor for the other account, and they could not locate an account for me. So how is Experian verifying these information? 

As you can understand, I was very confused at this point because after auditing my credit report once again, the information that I disputed was still reporting inaccurate, yet Experian somehow verified that they were accurate. 

After several attempts to get the erroneous information removed, absolutely nothing has happened. My credit report and credit reputation are in pure shambles due to Experiences negligence. I am depressed, frustrated, and I am constantly wondering what my current creditors think of me and what my financial future looks like because this inaccurate information is having a negative impact on my credit report and has caused me denied credit/ may cause me denied credit in future. 

I am aware of the tens of thousands of complaints against this credit reporting agency for their neglect when it comes to investigating consumer disputes, specifically in my case. I am requesting that XXXX is disciplined accordingly for their willful and blatant disregard for the law and also that they remove any all inaccuracies from my credit report. The account are the following : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX 2. Account name : XXXX XXXX XXXX Account number : XXXX This is causing serious harm not only to my ability to establish credit, find a good job, and provide a life for me and my family, it has caused a huge mental strain on my credit reputation. 

For your convenience, Ive attached all correspondences that Ive had with this company. Anything else you need from me or would like for me to do, Ill do it... just let know. 

Thank you for your immediate attention to this matter

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