Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern, I am writing to formally report inaccuracies in my credit report as well as unfair practices related to the reporting of my credit information by XXXX, Experian, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Below are the key points highlighting these issues : 1. Incorrect Credit Reporting Under the FCRA, credit reporting agencies ( CRAs ) must ensure that all information in consumer credit reports is accurate and up to date ( 15 U.S.C. 1681e ( b ) ). I have identified several entries on my credit report that are either erroneous or misleading : There are inaccuracies, e.g., incorrect account balances, payment histories, hard inquiries or account statuses. For example, XXXX XXXX XXXX admitted to unexplained inquiry and having an account on file for me that has never been opened. 
I requested them to contact all the credit bureaus to have it removed. This and other hard inquiries remain present on my credit report. XXXX, Experian and XXXX are showing accounts closed yet not past due amounts are present. In some instances, for the alleged debt owe, all credit bureaus are not showing the amounts and some are just blank. I have several names on my report that are not associated with my one and only name which is : XXXX XXXX. I have addresses that do not belong to me along with my employment status not reflecting my only employment which is XXXX XXXX. 

XXXX. Unverified Accounts According to the FCRA, if a consumer disputes information in their credit report, the creditor must conduct a reasonable investigation to verify the accuracy of that information ( 15 U.S.C. 1681i ). In my case : I disputed several accounts on XX/XX/year>, XX/XX/year>, XX/XX/year>, and I have sent my most recent request on XX/XX/year>, but the creditor failed to provide adequate verification of the debts claimed. I have requested deletion based on my findings and according to FCRA and Metro 2 to be deleted both via mail and I have personally called these CRAs and Creditors individually. Specifically I have only received stall letters, no correspondence whatsoever depending on the creditor and incomplete correspondence of debt verification without appropriate documentation based on my initial requests. I have received letters from CRAs claiming that it isn't I who sent these disputes and that they are fraudulent therefore they will not open up an investigation even though I have called all CRAs and informed them via phone and mail that it is I who is sending these disputes. 

XXXX. Unfair Practices The FCRA and related regulations prohibit unfair practices in credit reporting. All Creditors and CRAs listed above have engaged in practices that may violate these laws, including : Failure to Correct Errors : After being notified of disputes, the creditor did not update nor correct the inaccuracies in a timely manner. 

Reporting Unverified Information : Continued reporting of accounts that lack proper verification raises concerns regarding compliance with Metro 2 standards, which require accurate reporting practices. 

The inaccuracies, unverified accounts, and unfair practices detailed above have had a negative impact on my creditworthiness and overall financial standing. I request that the CFPB investigate these issues and take appropriate action to ensure compliance with FCRA and Metro 2 standards. I have attached all the letters that I have sent to each CRA and Creditor listed within my complaint with explanation of the discrepancies uncovered within my credit report. 

Thank you for your attention to this matter. I look forward to your response.