Consumer complaint received 2024-09-04
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. (AL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Against Experian for Failure to Investigate Disputes To Whomever it May Concern I am writing to formally file a complaint against Experian regarding their ongoing failure to properly investigate disputes I have submitted concerning inaccuracies on my credit report. 

For over a year and a half, I have been diligently reaching out to Experian to address multiple inaccuracies in my credit report, including collections, authorized users, and addresses that don't even exist. Despite providing all necessary documentation, reporting online, speaking with several different representatives and mailing disputes, clearly explaining the errors, Experian has consistently failed to conduct a proper investigation or offer any resolution to my concerns. 

To further complicate matters, both of the creditors associated with the disputed information have also reached out to Experian, requesting that the incorrect information be removed from my credit report. Despite these requests from the creditors themselves, Experian continues to report the erroneous information, which has further exacerbated the situation. 

In addition, Experian has listed an address on my credit report that does not belong to me and does not even exist. Despite my repeated requests to have this incorrect address removed, Experian has refused to take any action to correct this error. 

I also have a collection account on my credit report from XXXX XXXX that does not belong to me, and was confirmed by the original creditor that it was a mistake when they switched management companies. I submitted a complaint regarding this account to the CFPB, and while the account was closed by XXXX XXXX, it was never deleted from my credit report. This error continues to affect my credit score, despite the fact that the account should have been removed entirely. 

Most troublingly, during my last dispute submission, Experian sent me verification documents that did not even have my correct name on them all of the documents were addressed to XXXX XXXX XXXX which is not me. This error further demonstrates Experians lack of effort to accurately report or verify information on consumer reports, raising serious concerns about their compliance with the Fair Credit Reporting Act ( FCRA ). 

Throughout this period, I have made numerous attempts to resolve these issues, contacting Experian online portal, certified mail, phone, However, the responses I have received have been inadequate and unhelpful. In several instances, I received form letters that did not address the specifics of my dispute, and in other cases, I was informed that the disputed information had been " verified '' without any explanation or evidence of the verification process. 

Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation of any disputed information and correct or delete any inaccuracies within 30 days of receiving the dispute. Experians ongoing failure to do so over the past 18 months is a clear violation of my rights and has caused me significant stress, financial inconvenience, and potential damage to my creditworthiness. 

I am respectfully requesting that the Consumer Financial Protection Bureau intervene in this matter to ensure that Experian fulfills its legal obligations to properly investigate and correct the disputed items on my credit report. Additionally, I request that Experian be required to provide a detailed explanation of the steps they have taken to investigate my disputes, as well as any evidence they have used to verify the disputed information. 

Given the extended period of unresolved issues, the involvement of my creditors in requesting corrections, the unresolved XXXX XXXX collection, and the inaccurate verification documents, I believe that the CFPBs involvement is essential to achieving a fair and prompt resolution. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring that my rights are upheld and that Experian is held accountable for their obligations under the FCRA. A fair resolution would be to immediately delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX