Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: TX
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:
I, the consume, am a victim of inaccurate reporting by the consumer reporting agency, Experian. I take great pride in my good name and established credit rating, and work extremely hard to ensure that my bills are paid in full and on-time every month. 
On or about XX/XX/2022, I sent a detailed written letter to Experian disputing the following information that is inaccurate and erroneous, and the information is, in fact inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , I also provided Experian with the following information so that they can verify my identity : copy of my drivers license and copy of recent utility bill.

The letter was sent certified by USPS and received and signed by XXXX XXXX ( attach hereto ) Experian is required to conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file, usually within 30 days. 
After the 30 days timeframe, Experian did not provide written results following the required investigation. Experian violated Section 611, as I was not provided a written notice of the results of the reinvestigation within 5 business days of the completion of the reinvestigation. In addition, Experian did not provide in writing, per my request, a notice with a description of the procedure used to determine the accuracy and completeness of the information. 
Experian negligently and willfully violated the FCRA by failing to comply with its responsibilities under the FCRA 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy of the information in my credit reports and failed to comply with its reinvestigation responsibilities ( found at 15 U.S.C 16811i ) after receiving my written dispute letters by mail, resulting in the continued reporting of false derogatory information on my credit report. 

My Experian disputes clearly have been ignored and VIOLATED. In the interim, the disputed items were not noted on my credit file as in dispute. 

Experian has failed to cooperate and respond to my dispute requests, despite being provided a copy of the original dispute letter for review. As a result, Experian continued to report false derogatory information on my credit report which I have suffered severe ongoing financial, economic losses and emotional harm, including but not limited to : mental anguish, frustration, emotional distress, worry, anxiety, damage to reputation The denial of credit to Injury to reputation and fear Damages I suffered due to emotional distress including XXXX XXXX XXXX XXXX XXXX XXXX associated with being denied credit and treated as if I was irresponsible Instances in which the inaccurate and erroneous information contained in my credit report deterred me from seeking to request an increase in limit for my credit cards, finance a new vehicle loan Loss of numerous hours spent trying to dispute and clear up my credit report Pain and suffering

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 non-monetary relief