Consumer complaint received 2025-07-09 00:00:00
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.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Regarding Verified but Inaccurate Credit Report Information Request for Investigation and Monetary Relief To Whom It May Concern, I am writing to formally file a complaint against the three major credit bureaus Equifax, Experian, and TransUnion for their continued reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report, despite multiple disputes I have submitted in accordance with the Fair Credit Reporting Act ( FCRA ). 
I have disputed the erroneous and incomplete information with each of the three credit reporting agencies. Unfortunately, my disputes were returned as " verified, '' yet the information remains factually inaccurate and/or incomplete. This constitutes a violation of the FCRA, which requires consumer reporting agencies to conduct a reasonable investigation and correct or delete any information that is inaccurate, incomplete, or unverifiable. 
The information in question continues to negatively impact my credit standing, causing emotional distress, lost financial opportunities, and undue hardship. 
I am now seeking monetary damages in the amount of {$1000.00} per FCRA violation under 15 U.S. Code 1681n and 1681o for willful and negligent noncompliance, respectively. 
I respectfully request that your office conduct a formal investigation into this matter and take appropriate action to ensure these agencies are held accountable for their failure to comply with federal law. Please find attached copies of : My formal dispute letters to Equifax, Experian, and TransUnion The responses I received from each bureau Screenshots and/or copies of my credit reports showing the continued inaccuracies A summary of the disputed items Any other relevant correspondence All previous disputes regarding the accounts in question were submitted through the CFPB portal. As such, a copy of each dispute, including supporting documentation and correspondence, should be retained and archived within your system under my consumer file. 
I am requesting that these records be reviewed as part of this current complaint to demonstrate the pattern of continued inaccurate, incomplete, and unverifiable reporting by the furnishers. These accounts have been previously disputed, and yet the violations persist including reinsertion without proper notice, failure to correct known errors, and incomplete or misleading reporting practices. 
I respectfully request your assistance in enforcing the Fair Credit Reporting Act ( FCRA ) and ensuring that these violations are addressed appropriately. 
I appreciate your time and attention to this matter and look forward to your prompt assistance in helping resolve this issue by providing me with an updated copy of my credit reports furnished by the 3 major bureaus that reflect the inaccurate, missing or unverified information be removed immediately and monetary damages in the amount of {$1000.00} per FCRA violation under 15 U.S. Code 1681n and 1681o for willful and negligent noncompliance. 
Sincerely, XXXX XXXX XXXX

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