Consumer complaint received 2024-05-17
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. (TX)

I am very frustrated and want to file a complaint against Experian and XXXX  regarding their handling of inaccurate information on my credit report. Despite my repeated efforts to rectify these errors, both credit bureaus have failed to comply with their legal obligations under the Fair Credit Reporting Act (FCRA).

On XXXX, I sent certified letters to both Experian and XXXX, detailing multiple inaccuracies on my credit reports. These letters included specific accounts that contain incorrect information regarding open dates, last reported dates, and paid statuses. Copies of these letters and proof of mailing are attached for your reference. I requested a thorough reinvestigation and deletion of these inaccuracies as mandated by the FCRA.

On XXXX XXXX XXXX, having received no satisfactory response, I sent follow-up letters to both bureaus, reiterating my concerns and providing further evidence. To date, both Experian and XXXX  have failed to address these inaccuracies adequately. When I contacted Experian by phone, I was informed that the disputed accounts were "verified" simply because addresses were tied to the accounts. This is not a sufficient basis for verification, especially given the discrepancies across different credit bureaus.

Under the FCRA, if an item on a consumer's credit report is found to be inaccurate or cannot be verified, it must be deleted. The failure of Experian and XXXX  to take appropriate action to reinvestigate and delete these errors is a clear violation of this law. Allowing inaccurate information to remain on my credit report has caused me significant distress and potential financial harm.

I kept receiving stall responses from Experian via email, where they continually requested me to verify my identity, despite having done so multiple times by phone and by uploading my ID and proof of address. Below is a summary of one such response from Experian:

"XXXX XXXX XXXX, 

Pursuant to Section 611(a)(3)(A) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute. If you believe that an item on your personal credit report is inaccurate or incomplete, please provide specific information. Be sure to indicate the specific item you are disputing and explain why you believe the information is inaccurate.

Please also include:
- One copy of a government-issued identification card.
- One copy of a utility bill, bank, or insurance statement.
- Your full name including middle initial, Social Security number, date of birth, and complete addresses for the past two years.

You may also submit your request or documents supporting your claim electronically at experian.com/upload."

Despite fulfilling these requirements multiple times, Experian has failed to delete the inaccurate information from my credit report.

I am prepared to take legal action to enforce my rights under the FCRA if these issues are not promptly resolved. However, I hope to avoid litigation through your intervention. Therefore, I respectfully request that the CFPB:

XXXX Conduct a thorough investigation into Experian's and XXXX  handling of my dispute.
XXXX. Ensure that Experian and XXXX  delete the inaccurate items from my credit report. XXXX. Hold Experian and XXXX  accountable for their failure to comply with FCRA regulations.

The specific inaccurate items in question are as follows:

Account Name: XXXX XXXX Account Number: XXXX
 
Upon reviewing my credit reports from Experian and XXXX  and XXXX, I discovered significant discrepancies between the Three:
 
Experian:
 
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Closed Date: No closure date shown

XXXX:
 
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Closed Date: Stated as XXXX XXXXXXXX  : Reports nothing

 
Account Name: XXXX XXXX XXXX Account Number: XXXX
 
Upon reviewing my credit reports from Experian and XXXX and XXXX, I discovered significant discrepancies between the Three:
 
Experian:
 
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Closed Date: No closure date shown

XXXX:
 
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Closed Date: Stated as XXXX XXXX : Reports nothing


Account Name: XXXX XXXX Account Number: XXXX
 
Upon reviewing my credit reports from Experian and XXXX  and XXXX, I discovered significant discrepancies between the Three:
 
Experian:
 
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Closed Date: No closure date shown
High Balance : Reported as XXXX XXXX:
 
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Closed Date: Reported as XXXX  High Balance : Reported as XXXX XXXX  : Reports nothing

Account Name: XXXX XXXX XXXX  
Account Number: XXXX   
Upon reviewing my credit reports from Experian and XXXX and XXXX, I discovered significant discrepancies between the Three:
 
Experian:
 
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Closed Date: No closure date shown
High Balance : Reported as XXXX XXXX Reports nothing XXXX XXXX Reports nothing

Account Name: XXXX 
 
Upon reviewing my credit reports from Experian and XXXX  and XXXX, I discovered significant discrepancies between the Three:
 
Experian:

Account # : XXXX
Date of Last Activity: Reported as XXXX
Date Reported : Reported as XXXX
Date Opened: none
Closed Date: No closure date shown
Payment Amount : Reported as XXXX
Payment Frequency : Reported as Monthly

XXXX:
 
Account XXXX XXXX XXXX
Date of Last Activity: Reported as XXXX
Date Reported : Reported As XXXX  Date Opened: Indicated as XXXX
Closed Date: Reported as XXXX
Payment Amount : Reported as XXXX
Payment Frequence : Reported none

XXXX  : Reports nothing


Account Name: XXXX Account Number: XXXX   
Upon reviewing my credit reports from Experian and XXXX  and XXXX, I discovered significant discrepancies between the Three:
 
Experian:
 
Date of Last Activity: Reported as XXXX  Date Opened: Indicated as XXXX
Closed Date: No closure date shown
Account Rating : Reported as Paid

XXXX:
 
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Closed Date: Reported as XXXX
Account Rating : Reported as Closed

XXXX  : Reports nothing


Account Name: XXXX XXXX XXXX  
Account Number: XXXX   
Upon reviewing my credit reports from Experian and XXXX  and XXXX, I discovered significant discrepancies between the Three:
 
Experian:
 
Date of Last Activity: Reported as XXXX  Date Opened: Indicated as XXXX
Closed Date: No closure date shown
High Balance : Reported as XXXX XXXX Reports nothing
XXXX  : Reports nothing

Account Name: XXXX XXXX XXXX  Account XXXX XXXX    
Upon reviewing my credit reports from Experian and XXXX  and XXXX, I discovered significant discrepancies between the Three:
 
Experian:

Account # : XXXX
Date of Last Activity: Reported as XXXX
High Balance : Reported XXXX
Date Reported : Reported as XXXX
Date Opened: Reported as XXXX
Closed Date: No closure date shown
Payment Amount : Reported as XXXX
Payment Frequency : Reported as none

XXXX: Reports nothing

XXXX  : Reports nothing


Account Name: XXXX XXXX Account Number: XXXX
 
Upon reviewing my credit reports from Experian and XXXX and XXXX, I discovered significant discrepancies between the Three:
 
Experian:
 
Date of Last Activity: Reported as XXXX  Date Opened: Indicated as XXXX
Date Reported : Reported as XXXX  Closed Date: No closure date shown
High Balance : Reported as XXXX XXXX:
 
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX  Date Reported : Reported as XXXX  Closed Date: Stated as XXXX
High Balance : Reported as XXXX XXXX : Reports nothing


Account Name: XXXX XXXX XXXX Account Number: XXXX   
Upon reviewing my credit reports from Experian and XXXX and XXXX, I discovered significant discrepancies between the Three:
 
Experian:
 
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Date Reported : Reported as XXXX  Closed Date: No closure date shown
Account Rating : Reported as Paid
Payment Status : Reported Late 60 Days 

XXXX:
 
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX  Date Reported : Reported as XXXX  Closed Date: Stated as XXXX
Account Rating : Reported as Closed
Payment Status : Reported as Current

XXXX  : Reports nothing


Account Name: XXXX XXXX  Account Number: XXXX   
Upon reviewing my credit reports from Experian and XXXX  and XXXX, I discovered significant discrepancies between the Three:
 
Experian:
 
Date of Last Activity: Reported as XXXX  Date Opened: Indicated as XXXX
Closed Date: No closure date shown
Account Rating : Reported as Paid
Payment Status : Reported Unknown

XXXX:
 
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Closed Date: Stated as XXXX
Account Rating : Reported as Derogatory
Payment Status : Reported as Current

XXXX : Reports nothing



Account Name: XXXX Account Number: XXXX
 
Upon reviewing my credit reports from Experian and XXXX  and XXXX, I discovered significant discrepancies between the Three:
 
Experian:
 
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Closed Date: No closure date shown
Account Rating : Reported as Paid
Payment Status : Reported XXXX  
XXXX:
 
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Closed Date: Stated as XXXX
Account Rating : Reported as Derogatory
Payment Status : Reported as Closed XXXX XXXX Reports nothing

Account Name: XXXX  Account Number: XXXX
 
Upon reviewing my credit reports from Experian and XXXX  and XXXX, I discovered significant discrepancies between the Three:
 
Experian:
 
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Closed Date: XXXX XXXX XXXX XXXX XXXX:
 
Date of Last Activity: Reported as XXXX  Date Opened: Indicated as XXXX
Closed Date: Stated as XXXX

XXXX  : Reports nothing

Account Name: XXXX  
Upon reviewing my credit reports from Experian and XXXX  and XXXX, I discovered significant discrepancies between the Three:
 
Experian:
 
Account XXXX  Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Closed Date: No closure date shown
Account Rating : Reported as Paid
Payment Status : Late XXXX Days 

XXXX XXXX XXXX
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Closed Date: Stated as XXXX
Account Rating : Reported as Closed
Payment Status : Reported as Current

XXXX  : Reports nothing


Account Name: XXXX Account Number: XXXX   
Upon reviewing my credit reports from Experian and XXXX  and XXXX, I discovered significant discrepancies between the Three:  
Experian:
 
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Date Reported : Reported as XXXX XXXX
 
Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Date Reported : Reported as XXXX XXXX : 

Date of Last Activity: Reported as XXXX
Date Opened: Indicated as XXXX
Date Reported : Reported as XXXX  

Please find enclosed copies of all correspondence sent to and received from Experian and XXXX, as well as any supporting documentation.

Thank you for your attention to this matter. I look forward to your prompt and decisive action.

Sincerely,

XXXX XXXXXXXX XXXX:
- Copies of initial and follow-up dispute letters
- Proof of mailing for all correspondence
- Copies of credit reports showing inaccuracies
- Any additional supporting documentation