Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: TN
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: Their investigation did not fix an error on your report

Complaint:
On XXXX - XXXX - XXXX  I XXXX XXXX XXXX filed a complaint with you guys the CFPB about incorrect information on all three of my credit reports. I submitted documents showing numerous violations that are being reported and accounts that are duplicates. There are also accounts being reported by two different companies that are the same accounts. I have contacted these companies XXXX, Experian, and XXXX about the situation, and have been ignored. Knowing you guys ( The CFPB ) are over these credit bureaus, I would like to know why you guys are and enforcing the Laws that were put in affect by the Federal Government? Under 15 USC 1681n ( a ) ( 1 ) ( A ) The law states any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I have sent numerous documents and pictures showing the violations and inaccuracies stated on my report. After calling numerous times and sending certified letters to these bureaus, Nothing has been done to correct the action or reimburse me for the damages caused by these bureaus. i have been denied credit, home mortgages, and car loan due to my credit. I request that the CFPB holds these credit bureaus accountable for their misleading actions against me. I have had to pay a higher interest rate on my credit cards as well. As a XXXX veteran I have yet been unable to purchase a home for my wife and my XXXX son. All I ask if for you guys to do the right thing and for me to be treated fairly as a consumer. I have proceeded to contact my State Representative and my State Senator on this matter. On XXXX - XXXX - XXXX I XXXX XXXX XXXX called the CFPB to disguise the situation i am facing with these credit bureaus, and the lady that I personally talked to told me there was nothing they could do for me and my situation because i was just one consumer? She stated there has to be more than one consumer in order to show a pattern before the CFPB will get involved. In other word as an individual consumer my problems means nothing to the CFPB. I was astonished by the words this woman said to me. I hope this is not the way the CFPB protects its consumers. As a consumer I have the right under federal and state law to be protected from such companies as these credit agencies. I will continue to proceed with letters to my representatives and toward litigation if nothing is done about my situation. All i ask is to be treated fairly like all consumers should be. Thanks again for your time and i hoope to hear back from you guys about my situation.

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