Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject : Complaint Against Experian Regarding Failure to Address Dispute and Violation of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for their failure to address my dispute and their violation of my rights as a consumer, as protected under the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I sent a certified letter to Experian, outlining my concerns and requesting verification and validation of certain information listed on my credit report. Specifically, the items in question are : 1. My name : The credit report contains inaccuracies in my name, which should be corrected to accurately reflect my legal name. 2. Inaccurate addresses : The credit report lists addresses that are incorrect and do not correspond to my residential history. These inaccuracies should be rectified to reflect accurate and updated address information. 3. Inaccurate accounts : The credit report includes erroneous accounts, including charge-offs, collections, and late payments, which do not accurately represent my credit history. It is imperative that these inaccuracies be thoroughly investigated and rectified accordingly. Despite ample time for a response, I did not receive any communication or acknowledgment from Experian regarding my dispute. In an attempt to resolve this matter, I made several phone calls to Experian on XX/XX/XXXX. Throughout the day, I encountered multiple instances where I was abruptly hung up on while advocating for the accurate reporting of my information. One representative even went so far as to deny receiving my letter, casting doubt on the authenticity of my claim. However, after further discussion, the representative finally confirmed the receipt of my letter but refused to acknowledge that it came from me. This denial was in direct contradiction to the certified mail delivery confirmation. During the conversation, the representative asked me about my personal information in an attempt to verify my identity. However, when I did not explicitly confirm the contents of the letter, he used it against me, claiming that the information I provided did not align with the letter. This manipulation of the situation was both confusing and frustrating. Subsequently, on the same day, I received several emails from Experian confirming changes to my information. However, when I spoke with another representative later that day, and specifically requested the correction of inaccurate personal information and accounts, he flatly refused to verify or validate anything beyond what debt collectors had reported to Experian. This refusal to address the inaccuracies and uphold my rights as a consumer further demonstrates Experian 's failure to comply with the law. Despite my repeated attempts to have my dispute filed, information corrected, and validated, Experian has consistently neglected to fulfill its obligations under the FCRA and has disregarded my rights as a consumer. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate actions to ensure that Experian rectifies its violations, addresses my dispute in a timely and accurate manner, and upholds the rights of consumers. Thank you for your attention to this complaint. I trust that the Consumer Financial Protection Bureau will diligently address this issue and work towards a fair resolution.

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