Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for their blatant disregard of my repeated requests to investigate and remove inaccurate information reported on my credit file. Despite providing substantial evidence, including proof of residence for the past 10 years, a valid driver 's license, utility bills, leasing agreements, and a police report, Experian has refused to take the necessary steps to rectify the inaccuracies in my credit report. Their dismissive response, in the form of a generic email claiming that they do not believe I submitted a request for investigation, is both unprofessional and unacceptable.

The following issues that Experian has refused to investigate are as follows : Inaccurate Address Information : I have provided extensive documentation to establish my residency history over the past decade. This includes leasing agreements, utility bills, and a valid driver 's license. Despite these clear proofs, Experian has failed to update my address information accurately, leading to discrepancies in my credit file.

False Delinquency Report : Experian has erroneously reported a delinquency on one of my accounts, which is completely unfounded. I have provided all relevant evidence, including payment receipts, bank statements, and correspondence with the creditor, demonstrating that the account is in good standing. However, Experian has chosen to neglect this evidence and maintain the false delinquency entry on my credit report.

Identity Theft Concerns : I have provided a police report documenting a case of identity theft that resulted in fraudulent accounts being opened in my name. Despite the seriousness of this matter, Experian has failed to conduct a thorough investigation and remove these fraudulent accounts from my credit report, thereby compromising my financial well-being and creditworthiness.

I have made numerous attempts to resolve these issues directly with Experian, providing them with all the necessary evidence and documentation. However, their inadequate response and refusal to take appropriate action have left me with no choice but to escalate this matter to the Federal Trade Commission, the regulatory authority responsible for overseeing credit reporting agencies.

I kindly request that the Federal Trade Commission thoroughly investigate this matter and hold Experian accountable for their disregard of my rights as a consumer. Additionally, I urge the Commission to take appropriate measures to ensure that Experian rectifies the inaccuracies in my credit report promptly and provides me with a written confirmation of the corrections made.

Enclosed with this letter, please find copies of all correspondence between Experian and myself, including the generic email response, as well as the extensive evidence I have provided to support my claims.

Thank you for your attention to this matter. I trust that the Federal Trade Commission will take the necessary steps to address this complaint and ensure 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